vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
I noticed that my XXXX XXXX went down by XXXX points. I went to see why. Mohela ( new loan company that the government sold student loans to ) reported that I have a loan for XXXX dollars on my credit report. The loan was taken out XXXX  and has not been reported to my account until this last go round. I have never taken out a loan or loans for that matter that would total to that amount. I can not seem to get in touch with their credit branch, they have XXXX long waits and then hang up on you when you finally get to XXXX hrs of waiting. This is not the first time I have had to call about false reporting on my credit history. When I spoke with the financial department they told me my total loan amount was XXXX something XXXX. So clearly this is someone elses loan being reported on my account.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX 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

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 2025-08-04 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:
Maintaining a strong financial reputation is extremely important to me, which is why I was alarmed to discover a fraudulent account attached to my credit report. I have never applied for or held any account with the entity in question.

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 2025-08-04 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX bought my homeloan on XX/XX/XXXX from XXXX XXXX  XXXX XXXX Ohio then claimed they sold it to XXXX on XX/XX/XXXX. From XXXX through XXXX, they told me they either couldnt process the payment yet, or they needed my XXXX  account information which I dont keep everywhere I go. I tried to pay with XXXX and their site was shut down on XX/XX/XXXX. I was in the hospital with my mother then on vacation. The whole time they stated there will be no late fees or penalties because of this acquisition. I finally received an account number with XXXX and paid them.Now, my husband and I both have XXXX  days late on our credit and late fees from XXXX. We have never paid any of our home loans late. I was playing phone tag with XXXX XXXX with XXXX XXXX XXXX  In late XXXX. When I finally caught up with her, theyd sold the loan. We were just minding our own business then XXXX buys our loan. Called XXXX  on XX/XX/XXXX and we were blamed for everything. A nightmare.

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 2025-08-04 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-08-04 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: FL

Complaint narrative:
XXXX filing this complaint against Experian for repeatedly violating the Fair Credit Reporting Act in relation to the account XXXX  XXXX XXXX. This account was reported on my credit file without my consent or any signed contract, violating XXXX XXXX. XXXX. It also violates XXXX XXXX. XXXX ( b ), which requires Experian to ensure maximum possible accuracy. I submitted multiple disputes and provided proof that the account was already deleted. I have an official letter from Experian confirming its removal. Despite this, Experian reinserted the account into my credit report without notifying me or providing any certification of accuracy, which violates XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ). I also cited XXXX XXXX. XXXX due to deceptive and misleading furnishing. Experian ignored my prior disputes, failed to verify the account, and continues to report it with no legal basis. This reinsertion is unlawful and continues to harm my credit standing. I demand full investigation and enforcement of my consumer 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 2025-08-04 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$30.00}

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 2025-08-04 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: IL

Complaint narrative:
I am writing you about the Fraudulent use of my social security number due to the XXXX  XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXXXXXX. I also included a signed and notarized copy of my Affidavit of XXXX XXXX XXXX so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any accounts that I have ever opened. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Identity Theft PXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I never heard of saying I owe them money. I never had an account with this company. I did not authorize them to share my information. They are trying/pursuing by putting this information on my credit reports. Delete was received, it is not mine

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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/ 2025, I transferred {$920.00} from my debit card to the recipient 's debit card through the MoneyGram system. Transfer no. XXXX The amount was instantly deducted from my account, and the recipient 's account has not been credited to it yet. MoneyGram denies responsibility and tells me that the money was transferred and can not be returned. More than 14 days have passed, I have written to the support several times, and I have also sent a letter of complaint, but no one has responded to me about what happened to my money or when it should be returned to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
RE # 4 I am submitting this complaint against TransUnion for continued and willful noncompliance with FCRA 605C and 12 C.F.R. 1022.142.

This is my 4th formal letter to TransUnion. I have submitted notarized self-attestations, my government-issued ID, and most recently a State of Florida subpoena ( Case XXXX XXXX XXXXXXXX ) confirming that I am a documented victim of coercion and trafficking during the time these accounts were opened. 

I have repeatedly explained that these accounts were placed while I was under financial duress and coercion, and I was not in a position to consent. This is not a reinvestigation under FCRA 611. This is a legal demand under 605C, which requires TransUnion to block and delete the accounts within 4 business days of receiving the supporting documents.

Despite being in possession of legally sufficient evidence, TransUnion continues to verify and report these accounts. Their refusal to honor 605C is retraumatizing and a willful violation of my rights as a protected consumer.

I have attached the subpoena, my affidavit, ID, and the list of accounts to be blocked and deleted. I request immediate enforcement from the CFPB to compel TransUnion to comply with the law and delete these accounts as required.

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 2025-08-04 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: VA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of XXXX  and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Resurgent Capital Services has repeatedly violated 15 U.S.C. 1692c ( c ) of the Fair Debt Collections Practices Act ( FDCPA ) by sending correspondence via mail after I issued three cease and desist letters ( attached ), which demanded that they immediately stop corresponding via mail and send all correspondence to my email. To date, I have received five mailings since issuing my initial XX/XX/XXXX letter ( submitted via my online account portal ). The most recent mailing received from Resurgent Capital is dated XX/XX/XXXX, well after my third demand letter ( dated XX/XX/XXXX ) had been sent to Resurgent. 

Cease and Desist Letter # 1 ( XX/XX/XXXX ) : submitted via online account portal - received email confirming receipt of this correspondence Cease and Desist Letter # XXXX ( XX/XX/XXXX ) : mailed via XXXX Cease and Desist Letter - Final Notice # XXXX ( XX/XX/XXXX ) : mailed via XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
These accounts were not opened by me and appear to be fraudulent ; I request their removal from my credit file within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I made a payment in XX/XX/year>2024, and they applied it to loans that were already paid in full instead of the loan with a balance. I requested a refund and they stated it would take 90 days. I contacted them again in XXXX, and they stated it had been reviewed and I should receive the refund in 90 days. In XXXX, I called again and they stated a refund was issued and I should receive it in 90 days. I called today and was told they had to research if the check was cashed. If it wasn't, they would send a new one. They said this would take 180 days. I have already waited ONE YEAR for my refund. This is unacceptable. I know they would never wait one year for my payment. I want my refund. Please see what you can do for me. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-04 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:
I am contacting you regarding a late payment entry that appears to be inaccurate. Although I do not have documentation readily available at the moment, I believe this may have been reported mistakenly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I arrived in XXXX XX/XX/year> In a bus stop in XXXX going to XXXX  I was fraudulently charged {$4300.00} Prior to this fraud issue I only used tap to pay. 
I had multiple transactions in this bus stop requiring multiple taps. 
One was using the XXXX  to purchase tickets that should have cost about 36 XXXX  for two people, the other was when purchasing coffee for about 4 XXXX. 
I contacted Capitol one when I noticed the charge after they emailed me saying I qualified for bonus miles, which I shouldnt have because I hadnt been using the card while XXXX  and only had about XXXX $ on it prior to the hike. 
Capitol one initially removed the charge but rebilled me a few days later without communication. 
I called them when I noticed this and they said it was denied because it was tap to pay. 
Anywhere else Ive ever banked with would have blocked the charge and emailed me a fraud alert since it was the first day I arrived in a new country and a much bigger purchase then Ive ever made on any card. 
I pay for top tier travel cards such as this Capitol one venture x because I travel a lot and never know whats going to happen. I am very upset and disturbed by how poorly this has been handled and will be closing the card the moment it is resolved. 
I did not consent to, purchase or receive any goods or services or travel for {$4300.00} I contacted Capitol one more then 4 times and submitted two written statements including the attached. They said I have to take it up with the vendor because I tapped to pay, but theres no way to contact a XXXX  in a bus station in XXXX! 
I can submit any other financial records, sworn statements or any other method to prove this was fraud. 
Please help me remove this fraudulent charge permanently, thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 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 have identified an account on my credit report that I did not authorize or open. After reviewing my personal records, I can confirm that I have never had a relationship with the creditor in question.

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