vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Models has not responded in the time frame from when the complaint was sent to them on XX/XX/year>. The complain said that there would be a response 60 days from when it was sent to Mohela. They have failed to respond. It has been almost a year since my initial reimbursement request was sent to Mohela.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Complaint Against Radius Global Solutions LLC XXXX XXXX XXXX XXXX, MN XXXX Date : XXXX Summary of Complaint : In XXXX, I entered into a written agreement with Radius Global Solutions to settle a debt originally owed to XXXX XXXXXXXX XXXX  The agreement required me to pay {$160.00} per month for 12 months, totaling {$1900.00}. I enrolled in automatic monthly payments, and payments were made consistently without any issue. 

On XX/XX/XXXX, nearing the completion of my payment term, I proactively contacted Radius to confirm my final payment and request a clearance letter. During this call, a representative asked if I wanted to set up a payment. I informed her that my payment was already scheduled via auto-payment, so I did not need to manually set anything up. 

Unexpectedly, at the end of XX/XX/XXXX, I received a letter stating that the agreement had been canceled and I now owed the full balance of {$3100.00}. I immediately contacted Radius, and was told the cancellation occurred because I did not set up the payment again. This explanation is unjustified, i never changed or canceled the auto-payment, and no one from Radius contacted me to inform me of any issue or failed transaction. As per the agreement, the amount should have been deducted automatically, but it was not. I would like to know who is responsible for this failure. 

This situation has caused me serious emotional stress and financial confusion. I believe this is negligence on Radiuss part, and a violation of fair debt collection practices. I have done everything in good faith to complete the agreement and meet my obligations.

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 2025-07-07 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: NJ

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and noticed multiple inaccuracies. I sent a certified letter to XXXX XXXXn that date asking them to investigate these accounts, providing full proof of my identity with proper documents, as well as identity theft reports and police reports to ensure a thorough investigation. Despite this, XXXX XXXXsponded by claiming these accounts were verified and accurate. Under 15 USC 1681i ( 5 ), if after a reinvestigation any item is found to be inaccurate, incomplete, or can not be verified, it must be removed. The information disputed is neither correct nor mine, and the credit bureau failed to properly reinvestigate and remove these accounts, violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: CA

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 XXXX, 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 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 2025-07-07 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: Experian Information Solutions Inc.
State: IN

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 explanation
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, my TransUnion credit score dropped XXXX points due to an XXXX XXXX account that I never opened. I was alerted to this via XXXX. 

The account was removed shortly after but the damage to my score remains. I have never had an XXXX account. 

TransUnion 's customer service tells me there is nothing showing because the account is now gone but the phantom tradeline caused a real score penalty that hasnt reversed. 

I am requesting : - An investigation into this phantom tradeline - Manual correction of my TransUnion credit score - Confirmation that this was either a fraud event or a mixed file error

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 2025-07-07 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: SC

Complaint narrative:
I am writing to file a formal complaint against XXXX ( XXXX XXXX XXXX  ) and the national credit reporting agencies TransUnion, Experian, and XXXX  regarding the repeated, inconsistent, and inaccurate reporting of an account ( Account # XXXX XXXX XXXX XXXX XXXX ) on my consumer credit reports. I have made multiple attempts to resolve these inaccuracies directly with the credit bureaus, but they continue to report unverifiable and conflicting information in violation of the Fair Credit Reporting Act ( FCRA ).

Summary of Issues : The XXXX account in question is being reported with significant discrepancies across all three bureaus : Different last payment dates : TransUnion/Experian show XX/XX/XXXX, while XXXX  lists XX/XX/XXXX. 

Different last activity dates : TransUnion reports XX/XX/XXXX ( future date ), Experian shows XX/XX/XXXX, XXXX  lists XX/XX/XXXX. 

Inconsistent balance and past due amounts : Experian reports a {$550.00} balance, while TransUnion and XXXX  show {$550.00}. 

Conflicting high credit amounts : Experian reports {$0.00}, TransUnion shows {$450.00}, and XXXX reports {$370.00}. 

Incorrect two-year payment history on XXXX : Reflects OK payment status through XXXX even though the account was charged off years earlier in XXXX. 

Additionally, XXXX  has continued to tag this account

as Consumer disputes reinvestigation in progress, even after previous disputes were closed. This is misleading and must be corrected or removed if no active investigation is ongoing. My Attempts to Resolve : I have disputed this account directly with the credit bureaus and provided all relevant details. Despite this, they continue to verify information that is clearly inaccurate, outdated, and unverifiable. I have not received any valid proof such as signed agreements or itemized statements to substantiate the data being reported.

My Rights Under the Law : Under the FCRA ( 15 U.S.C. 1681i and 1681s-2 ), I have the right to : Dispute inaccurate information and have it corrected or deleted within 30 days ; Receive proper documentation verifying the validity of a debt or derogatory status ; Expect that data furnishers and CRAs report only accurate, consistent, and complete information.

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 2025-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Goal Structured Solutions, LLC
State: NY

Complaint narrative:
I refinanced my private student loan in XXXX of this year. The prior loan was being serviced by Launch Servicing, and I refinanced with XXXX. When refinancing, XXXX overpaid the loan by {$2100.00} due to payments made to Launch Servicing between when the refinancing process began and when it was completed. According to Launch Servicing, this refund check was to be issued directly to XXXX, however, XXXX still has not received the refund. I have consistently called Launch Servicing to help locate the refund check ( including 5 calls to their support number since XX/XX/XXXX ), but each time I am told the issue is still being investigated. When calling XXXX, they noted that they need a picture of the check to help investigate on their end, which was relayed to Launch Servicing, but they still have not been able to provide a picture of the check either to me or to a support email address that XXXX provided. In XXXX, Launch Servicing erroneously sent me a picture of one of the refinancing checks that was processed, but they still have not located the {$2100.00} refund and appear to be making no real effort to do so despite the refinancing occurring nearly 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-07 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: IL

Complaint narrative:
This is my fourth dispute regarding a collection account reported by XXXX XXXX for an alleged debt from XXXX XXXX XXXX XXXX XXXX originally opened on XX/XX/year>, with a balance of {$2300.00}. 

Despite my repeated disputes with the credit bureau and requests for validation, this account has remained on my credit report. I have not received any proper verification of the debt from XXXX XXXX or the original creditor. Each time Ive disputed, the account was marked as Consumer disputes this account information, but no further action has been taken to remove or correct the inaccurate reporting. 

The failure to provide documentation validating the debt and the repeated reinsertion of unverified information directly violates the Fair Credit Reporting Act ( FCRA ). I believe this reflects the kind of systemic failure that the Consumer Financial Protection Bureau ( CFPB ) has warned about, where credit reporting agencies fail to forward evidence, rely on unreliable responses, and leave disputed items unresolved. 

This collection account is negatively impacting my credit, and I am requesting immediate corrective action : either fully validate the debt with supporting documentation or delete the account from my credit file entirely.

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 2025-07-07 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$810.00}

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 non-monetary relief
Consumer complaint received 2025-07-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, all of my federal student loan accounts were suddenly removed from my TransUnion credit report. These loans were in good standing, active, never defaulted, and managed through XXXX under an income-driven repayment plan. I have had some of these loans since as far back as XXXX, and they have always reported monthly. 

I immediately contacted XXXX, who confirmed on a recorded call that they never stopped reporting any data to the credit bureaus. They said the loans are current, and no changes were made on their end. I then contacted TransUnion, and they admitted that the accounts were deleted on XX/XX/XXXX, but could not provide any reason, reporting code, or explanation. They escalated my case to a special handling department. 

This deletion caused my credit score to drop over XXXX points, removing long-standing positive tradelines and damaging my credit history and credit age. This happened after I had submitted CFPB complaints against TransUnion and Experian for failing to properly investigate other unrelated accounts, including XXXX XXXX and XXXX XXXX. 

I now believe this was retaliation for those complaints. There was no valid reason for TransUnion to remove my federal student loans, and I was never notified, never disputed them, and did not request any deletions. 

Separately, Experian is still reporting my student loans, but is reporting an inflated balance of {$49000.00}. My actual balance is {$31000.00}, confirmed by XXXX. Experian has failed to update this balance and is inaccurately inflating my total debt, which impacts my creditworthiness. 

Meanwhile, XXXX  is reporting everything accurately, confirming that this was not a lender or federal system error it is specific misconduct by TransUnion and Experian.

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 2025-07-07 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation