vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint and request your assistance regarding a deeply disappointing and ongoing issue I am facing with the credit reporting agencies. Despite my efforts, my credit file contains several unauthorized credit inquiries that I did not approve, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Furthermore, my credit report lists inquiry that I did not authorize. Under FCRA 604, a consumer reporting agency may only provide a credit report with a permissible purpose. The inquiry do not meet that standard and is not initiated by me : XXXX XX/XX/2025. 

I demand a full reinvestigation and written verification of the permissible purpose for each inquiry listed. If the agencies are unable to provide legal justification, I respectfully request the immediate removal ofthis entry.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-04 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:
This complaint is filed against Equifax Reporting Agency. This entity continue to blatantly violate the Fair Credit Reporting Act ( FCRA ). Specifically 15 U.S.C 1681c ( a ) ( 5 ) - No consumer reporting agency may make any consumer report containing the following : " ( 5 ) Any other adverse item of information, other than record of convictions of crimes, which antedates the report by more than seven years ''. In addition to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) - Duty to provide accurate information and 15 U.S.C 1681i ( a ) - Obligation to reinvestigate and provide a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer. Furthermore, these particular obligations were discharged by the True " Creditor '' [ reference 12 U.S.C 1431 ]. The IRS recognizes such discharges of obligation as " Income '' and cancelled no longer legally enforceable or valid for reporting as a liability. Your continued reporting of these obligations post-discharged amounts to the intentional publication of inaccurate information - a willful act of false representation. See Attachments..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOHELA
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against MOHELA/DOFED for their continued failure to address this matter appropriately. 

MOHELA/DOFED XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4300.00}, MOHELA/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX, MOHELA/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXX, MOHELA/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX, MOHELA/DOFED XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3300.00} Date Opened : XX/XX/XXXX, MOHELA/DOFED XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5300.00} Date Opened : XX/XX/XXXX, MOHELA/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} Date Opened : XX/XX/XXXX, MOHELA/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX, MOHELA/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} Date Opened : XX/XX/XXXX, MOHELA/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} Date Opened : XX/XX/XXXX, MOHELA/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} Date Opened : XX/XX/XXXX, MOHELA/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$700.00} Date Opened : XX/XX/XXXX, MOHELA/DOFED XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$380.00} Date Opened : XX/XX/XXXX. 

I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with MOHELA/DOFED, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: VA

Complaint narrative:
Checkr did a background check for XXXX company and the result was that there was a suspended license violation. The violation was dismissed 6 months ago and I reached out Checkr about it. They asked for court documents proving it was dismissed which I did provide but they still refused to fix the report or even communicate with me in regards to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a documented victim of identity theft and previously submitted the required documentation to Experian under FCRA 605B, including my FTC Identity Theft Report, police report, and written request to block fraudulent accounts. One of the fraudulent items was originally reported by XXXX XXXX XXXX for XXXX XXXX XXXX account. That debt was properly deleted due to identity theft. 

Recently, Experian allowed that same debt to reappear under a different name : XXXX XXXX XXXX, with a different account number and open date making it appear as a new account when it is in fact the same fraudulent XXXX debt that was already blocked. This deceptive relabeling allowed the item to bypass identity theft protections, and Experian had a legal duty to prevent this from happening. 

I attempted to dispute this new entry, but XXXX system would not allow me to file an identity theft-related dispute online. I then tried to call, but the automated phone system repeatedly refused to transfer me to a live representative and kept directing me back to the website. This made it impossible for me to dispute the item or get assistance even though I had already submitted the proper documentation.

Experian violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 605B which prohibits re-reporting of previously blocked identity theft items.

FCRA 623 ( a ) ( 6 ) which prohibits furnishers from reaging or disguising a previously deleted debt.

FCRA 611 ( a ) by failing to provide a proper dispute mechanism and failing to reasonably investigate.

FCRA 1681c by reporting false and unverifiable information. 

This account caused my credit score to drop from XXXX to XXXX, resulting in housing and loan denials and further emotional and financial harm. I have faced repeated reinsertions and improper handling of identity theft disputes by Experian, despite having a file frozen due to federal identity theft protection. 

I demand immediate removal of the XXXX XXXX XXXX XXXX my Experian credit file. If this is not resolved, my attorney will pursue further legal action against Experian and the furnishers for willful FCRA violations and the damages caused. I am also asking the CFPB, FTC, and relevant agencies to investigate Experians ongoing pattern of ignoring federal identity theft protections and refusing to provide live dispute assistance for identity theft victims.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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 Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/scrub>/2019, Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I received an email from PayPal ( Ref ID : XXXX ) stating that my account had been permanently limited due to a " potential risk. '' The notice provided no specific explanation or evidence for this decision.

Since then, I have been unable to use my account or withdraw the funds remaining in it. PayPal informed me that my funds would be held for up to 180 days, but did not give a reason for such a long holding period. I contacted PayPal support multiple times and requested a detailed explanation, but only received vague and generic responses.

I believe this action is unfair, lacks transparency, and violates my rights as a user. I use this account for legitimate purposes and was not given a proper opportunity to appeal or access my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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 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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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 2025-07-04 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: DE

Complaint narrative:
Mohela is my student loan servicer. They have reversed XXXX subsequent payments to them with no correspondence or explanation. When I initially reached out, they falsely claimed that there records showed that I was had spoke with customer service and that the problem has been resolved and they could close the case. This was not true as I had not spoken to them prior. They also falsely claimed it was due to the XXXX program now being managed by federal student aid. However they still collect my payments so that would not have had an impact. They just reversed my payment again this month with no explanation, my account is now overdue and this month won't count towards XXXX because the payment will be considered late. This should not be legal because they are reversing my payments even though I have enough money in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 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 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 2025-07-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
Im submitting this complaint because Planet Home Lending has informed me that their review of my FHA Payment Supplement Program request-using a Partial Claim-is exempt from the federal Real Estate Settlement Procedures Act ( RESPA ) servicing rules. They claim this exemption applies simply because the review is being conducted through a streamline process.

I believe this is incorrect and a violation of RESPA.

Regulation X ( 12 CFR 1024.41 ) applies to all loss mitigation reviews, even streamlined processes, especially when the borrower is delinquent or has communicated financial hardship. The CFPB has issued guidance confirming that servicers may not bypass Regulation X obligations solely by labeling a review as streamlined. FHA and HUD guidelines, including Mortgagee Letter XXXX, do not override RESPA. 
Specifically, Planet Home Lending has failed to : Provide timely notice of whether my application is complete or incomplete. 
Provide written notice of the results of the review Observe the dual tracking prohibition while my application was under review. 
These failures have caused confusion, stress and potentially jeopardized my ability to access foreclosure alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 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 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