vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: AZ

Complaint narrative:
My name is XXXX XXXX ( DOB : XX/XX/XXXX, SSN ending in XXXX ). I live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

I am a documented victim of identity theft, as confirmed by my FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXX ). My personal information was used without my authorization to create fraudulent accounts, inquiries, and identifiers that now appear on my credit reports. 

Fraudulent Accounts and Inquiries Credit Collection Services, Account # XXXX, Balance {$180.00} I never opened or authorized this account. 
XXXX XXXX XXXX, Account # XXXX, Balance {$460.00} I did not authorize this debt, and no signed documentation exists linking me to it. 
Unauthorized Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX I never applied for credit with this company. 

Fraudulent Personal Identifiers Reported The credit bureaus are reporting names and addresses that do not belong to me : Name variation : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These inaccurate identifiers create a high risk of mixed files, further fraud, and privacy violations. 

Actions Taken On XX/XX/XXXX, I sent formal disputes to TransUnion, Experian, and Equifax with supporting documentation, including my FTC Identity Theft Report, government-issued ID, and proof of address. In those disputes, I cited my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( a ) ( 1 ) requiring deletion of information resulting from identity theft. 
FCRA 611 requiring reinvestigation of disputed items.

FCRA 604 ( a ) prohibiting consumer report access without a permissible purpose.

15 U.S.C. 1681 ( a ) ( 4 ) protecting consumer privacy rights.

Despite my disputes and legal documentation, these fraudulent accounts, inquiries, and identifiers remain on my reports. This failure to remove clearly unauthorized items constitutes continued furnishing of inaccurate data in violation of 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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My name is XXXX XXXX ( DOB : XX/XX/XXXX, SSN ending in XXXX ). I live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

I am a documented victim of identity theft, as confirmed by my FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXX ). My personal information was used without my authorization to create fraudulent accounts, inquiries, and identifiers that now appear on my credit reports. 

Fraudulent Accounts and Inquiries Credit Collection Services, Account # XXXX, Balance {$180.00} I never opened or authorized this account. 
XXXX XXXX XXXX, Account # XXXX, Balance {$460.00} I did not authorize this debt, and no signed documentation exists linking me to it. 
Unauthorized Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX I never applied for credit with this company. 

Fraudulent Personal Identifiers Reported The credit bureaus are reporting names and addresses that do not belong to me : Name variation : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These inaccurate identifiers create a high risk of mixed files, further fraud, and privacy violations. 

Actions Taken On XX/XX/XXXX, I sent formal disputes to TransUnion, Experian, and Equifax with supporting documentation, including my FTC Identity Theft Report, government-issued ID, and proof of address. In those disputes, I cited my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( a ) ( 1 ) requiring deletion of information resulting from identity theft. 
FCRA 611 requiring reinvestigation of disputed items.

FCRA 604 ( a ) prohibiting consumer report access without a permissible purpose.

15 U.S.C. 1681 ( a ) ( 4 ) protecting consumer privacy rights.

Despite my disputes and legal documentation, these fraudulent accounts, inquiries, and identifiers remain on my reports. This failure to remove clearly unauthorized items constitutes continued furnishing of inaccurate data in violation of 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 non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
For over a year, I have been contacting Mohela regarding the refund owed for over payment. I was approved for XXXX as of XX/XX/year>. I have been in public service for over 20 years. The loan has been discharged. I have spoken to Federal Student Aid on multiple occasions and each and every time they direct me to call Mohela. FSA calculated I am owed for XXXX over payments. Mohela is claiming there is no refund. I put a complaint in on the Federal Student Aid site two weeks ago. The representative from FSA directed me how to do it. Today I called Mohela again. I was given the run around again of they dont owe me a refund. I was transferred to a supervisor line with no ability to talk to anyone.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-12 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:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that EXPERIAN immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report Criminal Complaint XXXX XXXXXXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit card accounts opened at XXXX  XXXX on XXXX under the account number XXXX, at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, as well as an installment account opened at XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
XXXX XXXX XXXX  Unverified Collection Account Reporting I am writing in regard to the collection account you have reported on my credit file. This letter serves as a formal cease and desist notice under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ) and a demand for compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-XXXX ). 

According to federal law : XXXX. Under the FDCPA, once this letter is received, you must cease all collection activity, including reporting or verifying this account with the credit reporting agencies, until you provide proper validation. 
XXXX. Under the FCRA, you are prohibited from reporting inaccurate or unverified information to the consumer reporting agencies. If you can not validate the alleged debt with proper documentation, you must immediately delete this account from all credit bureaus ( Experian, Equifax, and TransUnion ). 

Therefore, I demand the following : Cease all collection communications with me, including calls, letters, emails, and third-party contact. 
Provide full debt validation as required by 15 U.S.C. 1692g ( b ), including a copy of the signed contract or agreement bearing my signature. 
If you can not provide such validation, immediately request deletion of this account from all credit reporting agencies to avoid further violations of the FCRA. 

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office, and pursue legal remedies available to me under federal law. 

Please confirm in writing within 15 days of receipt of this letter that you have ceased collection efforts and removed the account from my credit reports.

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 2025-09-12 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: SC

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 non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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 not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-12 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: IL

Complaint narrative:
I am formally disputing the reporting of a bankruptcy entry appearing on my TransUnion credit file. On XX/XX/year>, I received an official letter from the XXXX Bankruptcy XXXX for the XXXX XXXX XXXX Illinois, explicitly stating that the XXXX does not furnish or verify consumer data to any credit reporting agencies. 

This public record item remains present on my credit report, despite the fact that the original sourcethe Bankruptcy XXXX confirmed in writing that it does not report or validate any data to agencies like TransUnion. This means that the data being reported was not obtained from the original creditor or verified through a legally permissible method, and therefore violates the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I am filing this complaint against Equifax because they continue to report late payments on accounts that are either current, have no past due balances, or have been paid in full with a XXXX balance. This reporting is inaccurate, misleading, and in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires Equifax to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. 

The accounts in question are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Past Due : {$0.00} XX/XX/XXXXXX/XX/XXXX Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Paid XXXX Balance/XXXX  Past Due XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Paid XXXX Balance/XXXX  Past Due Equifax is presenting these accounts as if they have a history of late payments when in reality there is no outstanding debt. For the first XXXX accounts, the notation Past Due : {$0.00} is inherently contradictory and misleading, as it suggests delinquency even though no payment is currently owed. For the last XXXX accounts, Equifax is reporting a late payment status despite the fact that the debts were fully paid years ago and are showing XXXX balances and XXXX past due amounts. 

This is not just a clerical issueit materially harms my creditworthiness. Lenders, landlords, and insurers see the words late payment and treat me as a higher-risk applicant, even though the underlying data shows no delinquency. This has resulted in credit denials, higher interest rates, and significant financial and emotional stress. The Fair Credit Reporting Act was designed to protect consumers from precisely this kind of misleading reporting, yet Equifax continues to allow it to remain even after I have disputed these accounts. 

Under 15 U.S.C. 1681i, Equifax is obligated to reinvestigate disputed information in a meaningful way. Simply verifying data with the furnisher without checking for accuracy or context does not satisfy this legal duty. XXXX decision to continue publishing false late payment notations despite clear evidence to the contrary represents a failure to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
On XX/XX/year> a collection was added onto my credit report. Its a debt owed to Transworld Systems Incorporated. Supposedly originated from XXXX. Transworld systems inc. has resorted to harassing me by calling me every day. How they got my personal information like my phone number is unclear. Im a current member of XXXX, and currently do not owe them any money. I pay my monthly bill in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: VA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( XXXX ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C section XXXX A Section XXXX : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( XXXX ) 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( XXXX ) 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
Hello, after being advised by my financial advisor that I have UNAUTHORIZED accounts on my credit report ; I discovered that i am a victim of the Equifax XXXX. According to FCRA XXXX, please block & Delete. I have included a report with all information and accounts

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FTC report attached with all companys. 
Have numerous inquires also, multiple companies multiple times.

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