vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: NC

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. 
Creditor Name XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MA

Complaint narrative:
I am filing this complaint to dispute two charge-off entries currently appearing on my Equifax credit report. These entries are inaccurate, unverifiable, and do not meet the legal standards required under the Fair Credit Reporting Act ( FCRA ). The first account is listed as XXXX  XXXX, account number ending in XXXX, with a reported charge-off date of XX/XX/XXXX, and a balance of {$1000.00}. The second account is XXXX XXXX, account number ending in XXXX, with a reported charge-off date of XX/XX/XXXX, and a balance of {$0.00}. 

The XXXX XXXX charge-off has never been validated with any original creditor documentation. Equifax has not produced billing statements, account histories, or any form of verification that substantiates the charge-off status or the amount being reported. I have disputed this item and have yet to receive proof that the data is accurate, complete, or even lawfully attributed to me. As for the XXXX XXXX XXXX XXXX account, Equifax is reporting a charge-off with a zero-dollar balance, which is both misleading and nonsensical. A charge-off implies an unpaid debt and a financial loss to the creditor. If there is no balance, there is no delinquency to justify such a severe derogatory status. 

I take my credit file and reporting history extremely seriously and monitor it for accuracy on a regular basis. These entries harm my creditworthiness and misrepresent my financial behavior. Under 15 U.S.C. 1681e ( b ), Equifax is legally required to maintain accurate and complete data on all consumers. Additionally, 15 U.S.C. 1681i requires Equifax to reinvestigate disputed information and remove any data that can not be properly verified. Both of these accounts fail that standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
In XX/XX/year> my loans were put in Forbearance as they are in the XXXX program. Mohela proceeded to use my automatic payment to take my school loan payment out for XX/XX/year>, even though my loan was in Forbearance and no payment was due. 
In XX/XX/year> I requested {$620.00} to be refunded back to me since it was a payment I was not required to make nor would it count towards my PSLF count. I was informed it could take up to XXXX business days to process/receive refund. When XXXX occurred without refund I called up Mohela. I was informed there was an internal error and due to error Mohela would have to reprocess my refund BUT there was NO timeline on when they would refund me. I am currently at XXXX of waiting on my refund to process. IF I reach out to Mohela I'm informed they can not tell me when refund will happen. This is ridiculous. Mohela expects me to pay them on time every month, if I don't I get reprimanded with late fees and collections or even wage garnishment. YET, Mohela can take almost a year ( who knows, maybe longer ) to process my refund request. I could have this money in a high yield savings account right now. Is Mohela going to give me the interest I've been losing over the last year... nope they sure are not. I just want my refund I requested 11 months ago, this is beyond what is correct and the fact Mohela can get away with holding my refund against me is not right. Please help me in getting my refund back from XX/XX/year>! 

Thank You,

Company response to consumer: Untimely response
Consumer complaint received 2025-07-01 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: TN

Complaint narrative:
From XXXX thru XX/XX/year>, my wife was hospitalized in XXXX different hospitals. She was responsible for our bills and I thought all our bills were on autopay. XXXX account ( XXXX XXXXXXXX ) was not. I stayed at the hospital with her the entire time XXXX and did not go home to check mail. 

Finally, a neighbor brought my mail to me and I discovered XXXX XXXX delinquency notices. I was very upset as my credit was perfect. I called the company. By then my wife was septic, comatose and near death ( for almost XXXX months ). I informed the company that the account should immediately be placed on autopay. They refused and said my wife would have to go online and activate that feature. The account was in my name. My wife was a complete unresponsive invalid. 

I made a payment over the phone and ordered the account closed. Even though the company would not let me activate the autopay feature, they agreed to close the account. They did not do so. 

The company began sending me new cards with Activate Now stickers on them. I ignored them. I soon discovered they were reporting me delinquent on these new cards. This has happened twice and is currently underway now. They have caused my credit rating to fall from Excellent to Fair. I discovered this when recently starting a mortgage refi. 

Today, XXXX XXXX stated debt collection calls. I STILL have the unsolicited cards with Activate Now stickers affixed. Between my wife and I we have four such inactivated cards. 

My wife eventually lost her leg, was sent home with problems that will take her life in the next year and this is how XXXX XXXX chose to provide customer support. 

Please force them to erase the inaccurate reporting from all three credit reports, stop collection efforts and stop mailing unsolicited cards to Activate. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Hello, I opened a checking account with a promotion that was to pay out {$100.00} within 30 days of completing a qualifying direct deposit. I had my qualifying direct deposit on XX/XX/XXXX which was more than 30 days ago. 

I spoke to someone on the phone earlier today and they said they could not help me and to wait. 

I was also referred by my husband, XXXX and he was not given his {$50.00} for referring me. 

I would like to receive my {$100.00} and for my husband, the referrer, to get his {$50.00}.

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 monetary relief
Consumer complaint received 2025-07-01 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit 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 Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested that TRANS UNION, EXPERIAN AND EQUIFAX to correct inaccurate information being reported on my credit reports. This inaccurate information is causing issues when applying with bank. I have sent 2 letters thus far and now I am requesting the assistance of the CFPB to get things corrected. I have listed information below Incorrect names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Correct name XXXX XXXX XXXX Please remove the following incorrect addresses which are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX i have attached a copy of my license and a bill to provide my identity and correct address

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 2025-07-01 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: PR

Complaint narrative:
Subject : Formal Complaint Request for Deletion of Inaccurate Account from Credit Report Account in Question : XXXX Account # XXXX Dear FCRA Enforcement Team, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ), requesting your assistance in the removal of a derogatory account from my credit report that I believe contains multiple reporting violations. 

The account in question, XXXX ( # XXXX ), currently appears on my credit reports with TransUnion, Experian, and Equifax. After reviewing the reported data, I have identified numerous inconsistencies and potential inaccuracies, including : The credit limit is reported as {$400.00}, yet the balance and charge-off amount is {$720.00}, exceeding the original limit. 
The account is marked as closed but still shows a past due balance and charged-off status with inconsistent dates of last activity across bureaus. 
Equifax reports XXXX consecutive months as " Charged Off, '' while Experian lists OK payments during some of the same months a clear contradiction. 
Experian and Equifax reflect different dates for last activity and payment, making the accuracy of this account highly questionable. 
The payment history contains overlapping conflicting statuses and can not be verified for consistency. 
These discrepancies raise serious concerns about the accuracy, completeness, and reliability of the information furnished to the credit reporting agencies a direct violation of FCRA Sections 1681e ( b ), 1681s-2 ( a ), and 1681i ( a ).

Therefore, under my rights as a consumer and the protections of the FCRA, I kindly but firmly request that this account be investigated and permanently deleted from my credit reports across all agencies if the information can not be fully and accurately verified.

I have already submitted disputes to the credit bureaus but have yet to receive a resolution that reflects a fair and accurate correction. Please see attached copies of my credit report and ID for reference. 

Thank you for your time and support in ensuring the integrity of the credit reporting system. 

Sincerely, 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 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-07-01 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 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 Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted three notices.

Despite my repeated requests, the inaccurate information remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer.

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ].

Under the FCRA, you are obligated to : 1. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; 2. Notify the furnisher of the dispute ; 3. Correct or delete inaccurate, incomplete, or unverifiable information ; and 4. Provide me with the results of your reinvestigation.

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law.

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. XXXX XXXX XXXX, XXXX XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Sunbit, Inc.
State: FL

Complaint narrative:
I brought my vehicle to the dealership on XX/XX/XXXX, due to a clunking sound and the car drifting while driving. I clearly instructed the service manager to perform a test drive to identify the issue and then discuss the next steps with me. That was the only service I authorized. 

I was not satisfied with the work done during the first visit, because the same problem persisted. so I returned for a follow-up. During this second visit, my vehicle was held for about XXXX minutes without updates, despite me repeatedly asking how long the test drive would take and when the manager would see me. The staff gave vague responses and said the manager was busy not that my car had been taken into the shop for additional adjustments. 

I was then told the service would take an additional XXXX minutes. When I requested my car back due to the extended wait, I was handed paperwork outlining repair estimates and instructed to test drive the car myself. This was not what I initially requested or authorized. 

Despite these actions, the issue with my vehicle remained unchanged from the initial visit. I was never informed or given consent for any further repairs or inspections. The service team attempted to justify additional work as standard protocol, but this was neither communicated nor approved by me. 

Throughout this process, I felt disrespected and misled. Communication was poor, updates were vague or non-existent, and there was no proper documentation outlining the services performed or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: SC

Complaint narrative:
XXXX XXXX XXXX said they would close and remove account from all credit bureaus accounts on XX/XX/year> saying itd take 30-45 days but its still shows up on my credit report and its been over that time frame.

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 2025-07-01 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: WI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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