vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
I am being contacted repeatedly by MOHELA regarding a student loan that I do not owe. They are claiming I am in default and are requesting payment. However, I have verified through the U.S. Department of Education and StudentAid.gov that I do not have any outstanding federal student loansthey have either been fully paid off or discharged. 

When I call MOHELA, the representatives refuse to assist me unless I make a payment, despite me providing confirmation that no debt exists. I believe MOHELA has inaccurate records and is harassing me unlawfully by making demands for money I do not owe. They are refusing to investigate or correct their internal records. 

I am requesting that MOHELA : Immediately stop contacting me about this false debt Acknowledge in writing that I do not have any outstanding loans or defaults Correct their records accordingly This is causing undue stress and may impact my credit or financial standing. I respectfully ask the CFPB to investigate this matter and hold MOHELA accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-11 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: TX

Complaint narrative:
This morning, I noticed some incorrect accounts listed on my credit report, and Im completely unsure of where they came from. I reviewed my report like I normally do, but this time I found unexpected discrepancies. I even refreshed the browser, thinking it might be a temporary glitch, but the errors remained. Because of this, I kindly request that the documents I submitted be reviewed carefully to ensure this doesnt continue to be a concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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 account does not belong to me, it is fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
These accounts keeps getting reported back to my credit report however, the original furniture XXXX have not responded to any letters or any identity theft affidavit therefore, Im requesting these furniture be permanently blocked and all XXXX accounts be removed permanently immediately I did not open these accounts. this is identity death. The special handling department inside of Trans Union keeps deleting sensitive information such as identity theft reports they are conducting a legal activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I am formally demanding that you certifywithout ambiguitythat every single piece of data connected to this account is my personal property. This includes but is not limited to : personal information, activity history, files, communications, preferences, backups, metadata, and any other form of stored or processed data under this account. 

I am asserting my right to full control over my data. I want it made explicitly clear that none of this data has been shared, processed, retained, or used in any way that violates my ownership or personal privacy. You must be able to confirm this definitively.

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 2025-06-11 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: NC

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 Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-11 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: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MI

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 2025-06-11 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: NY

Complaint narrative:
In 2021, I was the victim of a home robbery, where documents and belongings belonging to me, my wife, and my brother-in-law were stolen. 

After this, they started using my accounts and one of them went to collection and another one was closed with late payments. 

the account of XXXX XXXX XXXX this account was opened fraudulently the XXXX XXXX account this account has late payments because they used the card after the theft.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Incorrect 30-Day Late Mark on Credit Report Due to Fraudulent Charge Complaint : I am submitting this complaint regarding an inaccurate 30-day late payment mark reported by XXXX XXXX XXXXXXXX on my credit report. This negative mark is related to a charge that was fraudulent, and I have taken all appropriate steps to dispute and resolve it, yet the derogatory mark remains. 

In XXXX, XXXX, I discovered a fraudulent charge on my credit card account ending in XXXX. I immediately reported the charge to XXXX XXXX XXXXXXXX, who confirmed it was unauthorized and began their investigation. Despite this, my account was marked as 30 days late, even though the non-payment was entirely due to the pending fraud claim. 

I have provided XXXX XXXX XXXXXXXX with documentation regarding the fraud and the dispute, and I have made multiple requests to have the late payment mark removed. Unfortunately, they have refused to remove the late mark, which is negatively affecting my credit score through no fault of my own. 

This reporting is both unfair and inaccurate under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this matter and compel XXXX XXXX XXXX to remove the 30-day late payment entry associated with the fraudulent transaction. 

Key Details : Issuer : XXXX XXXX XXXXXXXX Account ending in : XXXX Date of fraudulent charge : XX/XX/year>XXXX  Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
Subject : Incorrect 30-Day Late Mark on Credit Report Due to Fraudulent Charge Complaint : I am submitting this complaint regarding an inaccurate 30-day late payment mark reported by XXXX XXXX XXXXXXXX on my credit report. This negative mark is related to a charge that was fraudulent, and I have taken all appropriate steps to dispute and resolve it, yet the derogatory mark remains. 

In XXXX, XXXX, I discovered a fraudulent charge on my credit card account ending in XXXX. I immediately reported the charge to XXXX XXXX XXXX, who confirmed it was unauthorized and began their investigation. Despite this, my account was marked as 30 days late, even though the non-payment was entirely due to the pending fraud claim. 

I have provided XXXX XXXX XXXXXXXX with documentation regarding the fraud and the dispute, and I have made multiple requests to have the late payment mark removed. Unfortunately, they have refused to remove the late mark, which is negatively affecting my credit score through no fault of my own. 

This reporting is both unfair and inaccurate under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this matter and compel XXXX  XXXX XXXX to remove the 30-day late payment entry associated with the fraudulent transaction. 

Key Details : Issuer : XXXX XXXX XXXXXXXX Account ending in : XXXX Date of fraudulent charge : XX/XX/year>XXXX  Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
Subject : Incorrect 30-Day Late Mark on Credit Report Due to Fraudulent Charge Complaint : I am submitting this complaint regarding an inaccurate 30-day late payment mark reported by XXXX XXXX XXXXXXXX on my credit report. This negative mark is related to a charge that was fraudulent, and I have taken all appropriate steps to dispute and resolve it, yet the derogatory mark remains. 

In XXXX, XXXX, I discovered a fraudulent charge on my credit card account ending in XXXX. I immediately reported the charge to XXXX XXXX XXXXXXXX, who confirmed it was unauthorized and began their investigation. Despite this, my account was marked as 30 days late, even though the non-payment was entirely due to the pending fraud claim. 

I have provided XXXX XXXX XXXXXXXX with documentation regarding the fraud and the dispute, and I have made multiple requests to have the late payment mark removed. Unfortunately, they have refused to remove the late mark, which is negatively affecting my credit score through no fault of my own. 

This reporting is both unfair and inaccurate under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this matter and compel Bank XXXX XXXX to remove the 30-day late payment entry associated with the fraudulent transaction. 

Key Details : Issuer : Bank XXXX XXXX Account ending in : XXXX Date of fraudulent charge : XX/XX/year> Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-06-11 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: MD

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited {$4000.00} in cash into a Chase ATM on XX/XX/year>. The machine jammed during the transaction, and I did not receive confirmation or a receipt. Chase issued a temporary credit of {$4000.00}, then later reversed it and now my account shows a negative balance. I have attempted to work with Chase and was told to submit documentation, which I have done. I am requesting that this claim be properly investigated again. The money was never returned to me, and I believe Chase has not handled this fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

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 explanation
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief