vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am currently residing in a womens shelter. I have an active vehicle account with Ally Financial : Account Number : XXXX Phone Number : XXXX I have been trying all day on XX/XX/year>, to obtain a simple invoice or statement of my past due balance so the shelter can help pay the amount due on my behalf. Unfortunately, I have been transferred back and forth repeatedly between customer care and collections with no resolution. Several representatives hung up on me or refused to transfer me to a supervisor when requested. 

Most recently, I spoke with an agent named XXXX at XXXX XXXX EST on XX/XX/XXXX. I explained my situation, stated that I was uncomfortable giving personal information again, and politely asked to speak with a supervisor. Instead of transferring me, XXXX began harassing me, laughed when I asked her not to hang up, and disconnected the call. 

I am extremely hurt and disappointed by this treatment. I was calling respectfully and clearly communicated that the only thing I need is an invoice showing the past due amount so the womens shelter can issue payment. This is not just a billing issue its a matter of basic human dignity and respect. 

Requested Resolution : Please send me an official invoice or statement of the past due amount to my email at XXXX or to my mobile number at XXXX. 
Please investigate the conduct of the representative XXXX and any others who disconnected the call without resolution. 
Please ensure I am connected with a manager who can assist, not bounced around or mistreated again. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: WA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Experian Credit Bureau for an unjustified and unexplained reduction of my credit score by 51 points in a single day, without any valid reason or notification.

My credit utilization is currently under 10 %. After my monthly payments were posted, Experian listed a remaining balance of just {$160.00} out of a total credit limit of {$6800.00}. However, in reality, all of my accounts are fully paid down to zero, with no missed or late payments. There is absolutely no reasonbased on any account activityfor such a significant credit score drop.

I have reviewed all my reports, and no derogatory marks, delinquencies, or new inquiries exist. The only explanation is a miscalculation or internal scoring error on Experians part. This action directly penalizes me for responsible financial behavior, which is both unreasonable and damaging.

Experian provides no option on their platform to dispute or challenge a credit score drop. Their dispute system only allows challenges against lender-reported datanot Experians own scoring decisions. As a result, I am unable to submit any supporting documents or contextual information. This constitutes a violation of my rights as a consumer under the Fair Credit Reporting Act.

I request that the CFPB immediately investigate Experians actions, demand transparency in their scoring algorithm, and ensure my credit score is promptly restored to reflect my actual credit behavior.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 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 disputing the continued reporting of accounts discharged through my XXXX XXXX XXXX  Case Number : XXXX, on my Experian credit report. The included accounts are XXXX CARD ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - {$0.00} ), XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - {$0.00} ), XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - {$0.00} ), XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - {$0.00} ), XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - {$0.00} ), XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - {$0.00} ), and XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - {$0.00} ). These debts were legally discharged, and their continued presence on my credit report as active or outstanding is a clear violation of the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting is not only misleading but also severely impacts my creditworthiness, which is unacceptable given my efforts to rebuild my financial standing XXXX 

Under 15 U.S.C. 1681, credit reporting agencies have a legal obligation to maintain accurate and up-to-date information, especially concerning debts discharged through XXXX. Failing to remove these accounts from my report constitutes a direct violation of this requirement. Additionally, the ongoing presence of these discharged debts suggests a potential data breach or mishandling of my sensitive financial information, further exacerbating the harm to my credit profile. This negligence must be addressed immediately to prevent further damage.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I am unaware of this debt and didn't have the opportunity to dispute this account, if you believe adequate notification was afforded, please provide certified mail with receipt displaying my signature, if not please delete account from my credit report or I will be forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX, my XXXX account was hacked. A friend googled how to contact XXXX and sent a screen shot of a number to call. This was a fake number that a scammer posing as a XXXX support specialist used. He coerced me to letting him remote into my phone and started using XXXX, PayPal, and XXXX XXXX to move my money as to secure my accounts from the hackers. He also had me purchasing gift cards online and in store. I lost over {$9000.00} in this scam. One large amount of {$4500.00} was withdrawn from PayPal to a XXXX XXXX. I had been back and forth with PayPal to dispute this transaction with no help. My bank was finally able to help me dispute the transaction and reversed it back into my bank account. Pay Pal is now sending me to collections stating that I owe this money to them as XXXX XXXX was paid. I have made reports to the police and FTC and notified Pay Pal that I did this. PayPal still did not help me and I still have a negative balance that is affecting my business account with Pay Pal. I have a business PayPal for XXXX XXXX and a personal that is under my maiden name. I dont believe I should have to be responsible for this negative balance after being victimized out of so much money. XXXX has been able to refund me {$1800.00} out of {$2300.00} worth of gift cards purchased. PayPal has not reversed anything despite all my efforts. I also feel XXXX should be held liable, as they had fraudulent contact information on the internet. So many people can be victims of this scam. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I got a notification on XXXX  app that my credit score dropped XXXX points. The app said that 9 of my accounts were reported delinquent and when I look it was all of my nelnet accounts. I immediately called nelnet and told them that it was wrong. My college was reporting me withdrawn which was also wrong because I am enrolled full time. I submit my forms at my school and then I got a notification from nelnet to my email that it was received and processed. On XX/XX/XXXX I got a notification that my XXXX  dispute was denied and that the reporting stands. I called nelnet again to ask for the dispute status on their end and the operator told me that on their end the dispute was approved and was put in on XX/XX/XXXX. This seemed inconsistent to me because I called them and asked for a credit dispute that day, the operator said when they get the forms they put in the dispute. I did nothing wrong, Id still have a 6 months grace period. I graduate from this school XX/XX/XXXX. Its unfortunate because I was hoping to buy a car in the next few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I was completely unaware that MOHELA was servicing any of my federal student loans until 2025, when I noticed a derogatory entry on my credit report. This was the first time I had seen MOHELA associated with my loans. Upon logging into their portal for the first time, I discovered a balance of approximately {$20000.00}. When I logged in again the very next day, the balance had increased by over {$1400.00} with no explanation or itemized breakdown of what caused the increase. 

I have never received any prior billing statements, notifications, or communication from MOHELA about this loan. At no point was I informed that they would be taking over my loans, and they provided no documentation or history to support the current balance. 

I have tried to contact MOHELA several times via phone and have been repeatedly hung up on or placed in indefinite hold queues. Their customer service has been entirely inaccessible. This has made it impossible for me to understand the nature of this debt or resolve it. 

MOHELAs failure to notify me, provide documentation, or communicate with transparency is unacceptable. Their conduct is interfering with my active XXXX XXXX to Repayment application and undermines my ability to dispute or verify the alleged balance. I am asking the CFPB to investigate this mishandling, the sudden balance increase, and the lack of communication and accessibility.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: GA

Complaint narrative:
I disputed inaccurate public record information being reported by Contemporary Information Corp. ( CIC ). I requested full validation including certified court documents, original signed contracts, and proof of ownership of the judgment. CIC failed to provide these documents and instead relied on incomplete electronic court records, which do not prove the validity of the debt nor that I am legally obligated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fully verified reporting. I am requesting this inaccurate public record be permanently removed as CIC failed to validate this information properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute an inaccurate and damaging entry on my credit report concerning the accounts listed below, this entry is factually incorrect and a blatant violation of my rights under the fair credit reporting act ( FCRA ) particularly section 611 ( 15 USC 1681i. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
On XX/XX/year>, I submitted a full identity theft and trafficking-related dispute under FCRA Section 605C to Experian. I included : FTC Identity Theft Report Self-attestation ( signed by me, as allowed by law ) Government-issued ID Proof of address A Consumer Affairs representative named XXXX later told me a letter from a shelter or XXXX was legally required, and that my claim would be denied without it. This is a false interpretation of federal law. FCRA 605C does not require XXXX documentation. 

Despite multiple emails, uploads, and calls, Experian has continued to delay, unlawfully restarted the compliance clock, and failed to remove the fraudulent accounts. This has caused ongoing harm and retraumatization. 

I am requesting immediate removal of all trafficking-related accounts and inquiries, along with a corrected credit report. Experian is violating federal consumer protection laws, and I ask that the CFPB intervene. 

The law explicitly allows a survivor to submit their own written statementcalled a self-attestationwithout needing it to come from an XXXX, shelter, or law enforcement. 

The statute says : A consumer may submit a statement signed by the consumer identifying information related to the trafficking. 

What Experian and Equifax is doing : Illegally denying your dispute Misrepresenting federal law Prolonging the process beyond the legal deadline Retraumatizing a survivor by placing unlawful burdens

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
[ Your Full Name ] XXXX XXXX [ Your Address ] XXXX XXXX XXXX XXXX [ City, State, ZIP Code ] XXXX, Michigan [ Email Address ] XXXX [ Phone Number ] XXXX Date : [ Insert Date ] XXXX Account Number XXXX TransUnion LLC XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX Re : Formal Dispute and Demand for Proper Investigation Failure to Conduct a Reasonable Reinvestigation ( FCRA Violation ) To Whom It May Concern, This letter serves as a formal demand and complaint against TransUnion for its willful noncompliance with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i. Despite my previous dispute regarding the inaccurate account reported by XXXX, TransUnion has failed to conduct a reasonable and lawful reinvestigation of this matter.

TransUnion did not physically verify any documents or data associated with this dispute and instead relied solely on automated data exchange via the e-OSCAR system. The response I received clearly indicates that no actual investigation was performed and that the verification consisted of parroting back unverifiable information from the furnisher. This is nothing more than a stall tactic and an abrogation of TransUnions legal duty to perform a substantive investigation of disputed data.

By law, TransUnion is obligated to conduct a good-faith reinvestigation, not to rubber-stamp inaccurate data returned electronically by the furnisher. Relying solely on e-OSCAR constitutes procedural negligence and is insufficient under the FCRA, as affirmed by case law and guidance from the Consumer Financial Protection Bureau.

I am demanding the immediate removal of this inaccurate account. Furthermore, due to TransUnions blatant disregard for FCRA compliance, I am submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and requesting that the Bureau take legal action against TransUnion for its pattern of unlawful behavior. 

If this account is not deleted within 15 days of receipt of this letter, I will pursue legal remedies under FCRA including, but not limited to, statutory damages, punitive damages, and attorneys fees. You are hereby on notice. 

Sincerely, [ Your Name ] XXXX XXXX XXXX respond with written response thru United States Mail only.

Company response to consumer: Closed with explanation