vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: DE

Complaint narrative:
I am filing this complaint regarding inaccurate information appearing on my Equifax credit report. I am simply trying to ensure my credit report is accurate, fair, and complete. 

Charged-Off / Collection Accounts I dispute the reporting of the following accounts : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX, balance {$700.00} ) XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX XXXX balance {$5600.00} ) XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$0.00} ) XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX XXXX XXXX {$1300.00} ) Some of these accounts show XXXX balances but are still being reported negatively, while others may be inaccurate or incomplete. I am requesting Equifax verify the accuracy and legitimacy of each account and remove or correct any item that can not be substantiated.

Late Payment Reporting I dispute the late payment history being reported on the following accounts : XXXX XXXX Acct XXXX XXXX Card Acct XXXX XXXX XXXX Acct XXXX These late payments are inaccurate or overstated and should be reviewed and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for a violation of the Fair Credit Reporting Act ( FCRA ). I have clear, written evidence from the debt collector, XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX Account # XXXX ), stating that the account has been canceled at the creditor 's request and that they have requested a full deletion from my credit report ( see attached letter dated XX/XX/year> ). Equifax completed an investigation on XX/XX/year> ( Confirmation # XXXX ) and " Verified as Accurate '' this fraudulent collection, meaning they, like XXXX, did not do their due diligence to verify the information against my credit profile ( Complaint # XXXX ). This verification is factually incorrect. The furnisher ( XXXXXXXX XXXX XXXXXXXX ) has explicitly admitted in writing that the account should not be reported ( complaint # XXXX ). Equifax 's failure to remove this itemwhich they currently claim will remain on my report until XXXX XXXXis causing significant financial harm. They have failed to conduct a reasonable investigation by ignoring the debt collector 's direct instructions and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 am submitting this complaint regarding inaccurate and incomplete information appearing on my Experian credit report. I am a consumer actively trying to correct my credit and ensure my report accurately reflects my financial history. 

Charged-Off / Collection Accounts I dispute the accuracy and reporting of the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Reported twice, opened XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX XXXX Acct XXXX * * ( Opened XX/XX/XXXX, balance {$2500.00} ) I.C. XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, balance {$560.00} ) XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, balance {$0.00} ) The XXXX account appears duplicated, and several accounts show XXXX balances but are still being reported negatively. Other accounts may be inaccurately reported or lack proper verification. I am requesting Experian verify the accuracy, balance, ownership, and reporting status of each account. Any account that can not be fully verified should be corrected or removed. 

Previous Address Information The following addresses are being reported on my Experian file and are inaccurate or outdated : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please remove any address that is not accurate or does not belong to my current or valid address history.

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 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate and incomplete information currently being reported on my TransUnion credit report. TransUnion must conduct a reasonable investigation and ensure all reported data is accurate and verifiable. 

Charged-Off Accounts XXXX XXXX XXXX XXXX Account No. XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX Account No. XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX XXXX {$900.00} XXXX XXXX Account No. XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX / XXXX Account No. XXXX Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX XXXXXXXX Account No. XXXX Opened XX/XX/XXXX Balance {$820.00} These accounts show inconsistent balances, reporting dates, and statuses across bureaus. I am disputing their accuracy and requesting verification or deletion. 

Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. If TransUnion can not provide proof of permissible purpose, they must be removed. 

Late Payment Reporting XXXX / XXXX Account No. XXXX XXXX Account No. XXXX These late payment notations are inaccurate and do not reflect my true payment history.

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 2025-12-28 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: TX

Complaint narrative:
Equifax and TransUnion are reporting the same account with two different creditors ( Online Information Services- TransUnion and Online XXXX XXXX - Equifax ), which is inaccurate, misleading, and materially confusing to any person reviewing my credit file. This complaint is not a dispute of the debt itself and is not a request for debt verification. This issue is that credit reporting agencies are publishing internally inconsistent and contradictory information for what appears to be a single account. 

Specifically : Equifax reports this account under one creditor name ; TransUnion reports the same account under a different name ; Both agencies are presenting the accounts as valid, despite the fact that a single account can not simultaneously belong to two different creditors. This discrepancy creates a materially misleading credit report and violates the credit reporting agencies obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681, including but not limited to : 1681e ( b ) -failure to follow responsible procedures to assure maximum possible accuracy. 1681c ( a ) ( 5 ) - reporting information in a manner that is misleading or incomplete. The general FCRA requirement that credit reports be accurate, consistent, and not deceptive. 

A reasonable creditor, landlord, or employer reviewing my credit report would be unable to determine : who actually owns the account, whether the account has been transferred, sold, or duplicated, whether the account is being double-reported under different names. 

Despite my efforts to resolve this issue, Equifax and TransUnion continue to report conflicting creditor information instead of correcting or suppressing inaccurate information. Credit reporting agencies are not permitted to rely blindly on furnishers when the information being reported is facially inconsistent.

Reporting two different creditors for the same account demonstrates a lack of reasonable procedure and misleading reporting under the 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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir or Madam, Please be advised that I am a victim of identity theft, which has resulted in negative and false information being placed on my credit report. According to the Fair Credit Reporting Act Section 605 ( b ), you are required by Federal Law to delete ALL accounts and inquiries resulting from Identity Theft within a maximum of 4 Business Days from the receipt of a Federal Trade Commission Report and/or Fraud Affidavit.

I HAVE INCLUDED HERE THE REQUIRED FEDERAL TRADE COMMISSION REPORT AND FRAUD AFFIDAVIT.

Therefore, I hereby demand that you immediately delete the fraudulent accounts and inquiries listed below, which are a result of Identity Theft : FRAUDULENT ACCOUNTS TO BE DELETED : XXXX XXXX ( Identity Theft! ). 
XXXX XXXX  ( Identity Theft! ). 
XXXX XXXX XXXX  XXXX ( Identity Theft! ). 

Enclosed here are my Drivers License, Social Security Card, and Utility Bill, excerpts from the relevant FCRA Sections, as well as a copy of the Federal Trade Commission Report and Fraud Affidavit.

The law is very clear as to the Civil Liability and the remedies available to me under FCRA Section 616 & Section 617 if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA should you not comply.

I look forward to receiving an updated copy of my credit report reflecting the above corrections. Also, kindly delete from my credit file all other addresses except XXXX, which is the only address that I have lived in that should be on my credit file.

Again, Section 605 ( b ) of the Fair Credit Reporting Act requires that you block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft within 4 business days. Therefore, please block and/or delete this information from my credit report, and send the required notifications to all furnishers of this information 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 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate, incomplete, and duplicated information appearing on my TransUnion credit report. TransUnion is required to conduct a reasonable investigation and ensure all reported data is accurate. 

Charged-Off / Collection Accounts XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX Reported XX/XX/XXXX XXXX {$0.00} XXXX Account No. XXXXXXXX XXXX XXXX  Reported XX/XX/XXXX Balance {$400.00} XXXX XXXX XXXX/ XXXX Account No. XXXXXXXX XXXX XXXX Reported XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXX/ XXXX Account No. XXXXXXXX XXXX XXXX Reported XX/XX/XXXX XXXX {$4500.00} This collection account is duplicated with conflicting balances, which is inaccurate and misleading. I am disputing the reporting, balances, and verification of these accounts. 

Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. If TransUnion can not provide proof of permissible purpose, they must be removed.

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 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex reporting inaccurate accounts and addresses on my credit report. Also reporting falsely verified Information to the reporting agencies. American Express didnt sent any validation to prove any contract or signature by me. 15 USC 1602 g2, FCRA 16821 s2b must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this letter as a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding inaccurate and unverified information being furnished by XXXX XXXX XXXX on my Experian, Equifax and TransUnion credit report. The evidence is uncontroverted that XXXX has been paid in full for the subject alleged loan via the securitization process. Under settled law both the Uniform Commercial Code and long-standing principles of accord and satisfaction that payment extinguished the debt and XXXX XXXX XXXX XXXX XXXX The continued maintenance of inaccurate credit reporting and collection efforts by XXXX are not supported by any lawful right and are causing ongoing harm to XXXX XXXX. There is no genuine issue of material fact that the debt is satisfied. I file a federal court case for security fraud. SEC Rule 10b-5 / GAAP violations Accounting Fraud, misrepresentation in securitized financial statements. Those claims support restitution or rescission.

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 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC
State: SC

Complaint narrative:
b'In response to TXXXX XXXX XXXX XXXX I dispute this account because it is not mine and the information tied to it does not match my real identity. XXXX admitted they could not reach me in XXXX XXXX because the consumer information on file was not my true information, including the phone number XXXX XXXX XXXX, which is not mine. I initiated the fraud dispute before any collection activity, yet I received a lawsuit without ever receiving the "claimed" right to cure notice that was sent XXXX XXXX XXXX. No proof of that notice has been provided. No record of this letter was found in my hold mail/informed delivery notices by UPS in the month of June, as my husband and I were out of country during this time.XXXX XXXXr stated the account was not sold, but the collection letters state "this is an attempt to collect a debt by a debt collector". This is confusing and raises questions about who owns the account and who has authority to collect. RASLvar has not provided evidence linking this account to me, has not addressed the incorrect phone number, has not contacted the law enforcement agencies involved, and filed the complaint only seven days after the claimed notice, which does not meet the ten day requirement even if I had received it.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
MOHELA improperly placed my loans in forbearance and refuses to assist or respond I am approved for the Saving on a Valuable Education ( SAVE ) income-driven repayment plan. My XXXX XXXX XXXX account clearly shows that I am enrolled in SAVE with a monthly payment of {$32.00} and a recertification date in XXXX. Despite this, MOHELA has placed my loans into administrative forbearance without my request or consent. This prevents me from being in active repayment, prevents me from setting up autopay, and may negatively impact my repayment and forgiveness progress.

I have made repeated attempts to contact MOHELA to resolve this, and it is impossible to get help. Their phone lines are constantly busy, disconnect, or place callers on indefinite hold without ever reaching a representative. I have attempted to call on multiple days and times with no success. I have also attempted to use their messaging and online support options, but MOHELA does not respond or provide assistance.

In short, MOHELA has placed my loans into an incorrect status, refuses to correct the issue, and is effectively unreachable. I am trying to make payments and remain compliant, but MOHELA is preventing me from doing so.

I am requesting CFPB assistance to require MOHELA to remove the forbearance and place my loans into active repayment under SAVE as approved by the Department of Education, so that I can resume payments and enable autopay.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-28 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: AZ

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX Account XXXX : XXXX * XXXX XXXX XXXX  Reported Late Payments : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: CITIBANK, N.A.
State: OK

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX XXXX and the first phone number that popped saying it was XXXX XXXX I called. I called XXXX I spoke with a " XXXX XXXX '' in Customer Service and she said her phone number is XXXX ex. XXXX. That was a bogus call back number apparently. 
She told me the new flight was {$3200.00} because it was full except for business seats. I though the whole time they were XXXX. She said I would pay that and then be reimbursed in XXXX days. 
I realized it fraud so I called the real XXXX to change my flight. 
After, I called Citi Bank the same day and I spoke with XXXX different people while disputing the transaction. Both people I spoke with said I would not have to pay it. It was clearly fraud. I asked them to stop the payment the same day and it did not get stopped. 
I was charged {$3200.00}, {$3200.00}, {$6200.00} and {$95.00} totaling {$12000.00}. 
All of this if fraud I just got a letter in the mail from Citi Bank saying I will be charged this amount and had to pay it. 
I reported to FTC report number XXXX Please help

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 monetary relief
Consumer complaint received 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to dispute inaccurate and incomplete information on my TransUnion credit report. 

Charged-Off / Bankruptcy Accounts I dispute the reporting of the following accounts : Bankruptcy Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) Bankruptcy Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX  Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) These accounts show XXXX balances but are still reported in ways that may negatively affect my credit. I request TransUnion verify the accuracy of account status, balances, and reporting dates, and correct or remove any item that can not be substantiated.

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 2025-12-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
XX/XX/2022 Debtor initial personal loan amount {$4000.00} monthly interestrate 33.31 % for 60 months ( 5 years ) with insurance from borrower, approximately estimated {$130.00} monthly payment total repayment amount {$8100.00}. Debtor paid ( voluntary ) over initial amount {$350.00} first payment thereafter sum of {$320.00} automatically monthly day XXXX. The balance on loan after 16 payments sum of {$5100.00}. Debtor fully satisfied the loan, as {$1100.00} towards principal.The garnishment insignificant demand of {$10000.00} is invalid based on calculation.

Company response to consumer: Closed with explanation