vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MN

Complaint narrative:
The Nordst/TD account has multiple errors. The dates of first delinquency is not listed at all. Dates for " date closed '' and " date of last activity are inconsistent or missing. High credit and months reviewed don't match between the bureaus. The account was last active years ago, yet the date reported was recently updated which look like re-aging. If the company can't provide complete and consistent documentation proving the accuracy of every detail, then the account is not verifiable under the FCA and must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX Date : XXXX Concora Credit / Indigo XXXX XXXX XXXX. XXXX XXXX XXXX, OR XXXX Subject : Formal Dispute of Inaccurate Credit Reporting and Late Payment Indigo XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my Indigo XXXX account issued by Concora Credit XXXX My account, ending in XXXX, has been inaccurately reported as late, which I strongly contest. 

According to my records, all payments have been made on time and in accordance with the terms of the cardholder agreement. Despite this, a XXXX late payment was added to my account, and a late fee was assessed. This reporting is both incorrect and harmful to my credit profile. 

Legal Grounds for Dispute : Under the Fair Credit Billing Act ( FCBA ), creditors are required to post payments promptly and correctly. I believe there has been a misapplication or delay in crediting my payment.

Under the Fair Credit Reporting Act ( FCRA ), Section 623, furnishers of information must report data accurately and correct or delete any inaccurate or unverifiable information.

If Concora Credit can not fully verify and validate the accuracy of the alleged late payment using original business records, it must be corrected or removed from all consumer reporting agencies. 

Requested Actions : Remove the XXXX late payment from my account history. 

Reverse the late fee if it was improperly applied. 

Provide me with a copy of the Concora Credit daily transaction journal or any official record showing when and how my payment was received and posted. 

Provide written confirmation that this error has been corrected. 


Please treat this as a formal dispute. I expect a resolution within 30 days of receiving this letter, as required by federal law. If this is not corrected, I may file complaints with the Consumer Financial Protection Bureau ( CFPB ) Federal Reserve board, Federal trade Comission and consider additional legal remedies. 


Don't for get to provide a copy of the Concora Credit daily transaction journal Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMOHELA\nAttention: FRAUD DEPARTMENTXXXX XXXX XXXX XXXX XXXX: Unauthorized Disclosure of Personal and Financial Data  FERPA Violation; Request for Loan Discharge and Credit Report Removal\nTo Whom It May Concern:\nI am writing to formally notify MOHELA of an unauthorized disclosure of my personally identifiable information, including [e.g., Social Security number, loan account details, etc.], which constitutes a violation of the Family Educational Rights and Privacy Act (FERPA), 20 U.S.C.  1232g, and its implementing regulations at 34 C.F.R. Part 99. Under FERPA, educational recordsincluding financial records relevant to student loansare protected from disclosure without my explicit written consent. \nI demand the following actions be taken immediately:\n1.\tComplete discharge and cancellation of all federal student loans in my name serviced by MOHELA, due to the breach of FERPA, and associated removal of all references to these loans from my credit reports.\n2.\tWritten confirmation that my records have been purged from MOHELAs systems and any associated credit reporting agencies, with documentation provided to me.\nWhile FERPA does not specify loan cancellation as a remedy, the unauthorized access to my information undermines the integrity of any promissory agreement, and I reserve my right to pursue all legal remedies available under federal and state law.\nPlease respond to this demand in writing within the next 30 days. Failing satisfactory resolution, I intend to file a formal complaint with the U.S. Department of Educations Family Policy Compliance Office and explore further legal action as necessary.\nSincerelyXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: ND

Complaint narrative:
I am filing this formal complaint against Experian for ongoing willful violations of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and related consumer protection laws. 

As of XX/XX/year>, Experian continues to report multiple inaccurate, unverifiable, and misleading items on my consumer report despite receiving : A Final Legal Demand Letter sent via certified mail and received by Experian.

Prior dispute letters sent with supporting documentation demanding deletion and reinvestigation.

A demand to provide their method of verification, including the name and contact information of any data furnisher, pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) which they failed to provide.

Experian has failed to : Delete outdated and incorrect personal identifying information ( names and addresses Ive never used ).

Investigate accounts I do not recognize and have no legitimate relationship with.

Provide any proof of investigation or verification procedures in compliance with 15 USC 1681i ( a ) ( 1 ) ( A ).

Respond to my certified Final Demand with any formal acknowledgment or resolution, violating 15 USC 1681i ( a ) ( 3 ) ( A ) and 1681i ( a ) ( 7 ).

Cease reporting of certain derogatory or obsolete accounts that legally should no longer appear, in violation of 1681c ( a ).

The continuous furnishing and publication of inaccurate information after multiple disputes and demands is a willful violation under 15 USC 1681n and negligent noncompliance under 15 USC 1681o.

At this point, Experian is in direct violation of federal law, and my patience has been exhausted. I am prepared to escalate to the FTC, XXXX, OCC, and Office of Inspector General and will pursue litigation if necessary.

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 2025-08-08 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: KY

Complaint narrative:
XXXX'Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction: XXXX XXXX XXXX BalanceXXXX XXXX XXXX Balance:XXXXBankruptcy XXXX  7 U.S. Bankruptcy Court Docket Identifier: XXXX\nBankruptcy XXXX  U.S. Bankruptcy Court Docket IdentifierXXXX 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 non-monetary relief
Consumer complaint received 2025-08-07 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: OH

Complaint narrative:
I am writing to formally dispute the fraudulent auto loan account reported on my credit file by XXXX XXXX XXXX. This account, with a reported balance of {$18000.00} and noted as closed on XX/XX/XXXX, is not mine. As documented in my official Identity Theft Report ( FTC Report # XXXX ), I am a victim of identity theft. This account originated in XX/XX/XXXX and was discovered as fraudulent in XX/XX/XXXX. 

I have made every effort to resolve this matter, including submitting my Identity Theft Report and supporting documentation to XXXX XXXX XXXX. However, they continue to reinsert this fraudulent account onto my credit reports, despite being made fully aware that this is a case of identity theft and not my legitimate debt. 

This conduct is in direct violation of my rights under federal law, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block 15 U.S. Code 6802 : Protection of Nonpublic Personal Information 15 U.S. Code 1681s-2 ( a ) ( 6 ) : Duty to Report Accurate Information UCC 3-501 : Demand for Proof of Obligation 15 U.S. Code 1692c ( c ) : Cease and Desist Communications In accordance with FCRA 605B, I am demanding the immediate blocking and permanent removal of this account from all three of my credit reports. You are required by law to block such information within four business days of receiving appropriate documentation.

Enclosed with this letter are : A copy of my government-issued ID Proof of address The official FTC Identity Theft Report A copy of the fraudulent account entry from my credit report I expect written confirmation that this fraudulent account has been fully and permanently removed. Failure to comply will result in further action, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and potential legal recourse.

This is fraud, and I do not owe this debt. I demand your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: OH

Complaint narrative:
I am writing to formally dispute the fraudulent auto loan account reported on my credit file by XXXX XXXX XXXX. This account, with a reported balance of {$18000.00} and noted as closed on XX/XX/XXXX, is not mine. As documented in my official Identity Theft Report ( FTC Report # XXXX ), I am a victim of identity theft. This account originated in XX/XX/XXXX and was discovered as fraudulent in XX/XX/XXXX. 

I have made every effort to resolve this matter, including submitting my Identity Theft Report and supporting documentation to XXXX XXXX XXXX. However, they continue to reinsert this fraudulent account onto my credit reports, despite being made fully aware that this is a case of identity theft and not my legitimate debt. 

This conduct is in direct violation of my rights under federal law, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block 15 U.S. Code 6802 : Protection of Nonpublic Personal Information 15 U.S. Code 1681s-2 ( a ) ( 6 ) : Duty to Report Accurate Information UCC 3-501 : Demand for Proof of Obligation 15 U.S. Code 1692c ( c ) : Cease and Desist Communications In accordance with FCRA 605B, I am demanding the immediate blocking and permanent removal of this account from all three of my credit reports. You are required by law to block such information within four business days of receiving appropriate documentation.

Enclosed with this letter are : A copy of my government-issued ID Proof of address The official FTC Identity Theft Report A copy of the fraudulent account entry from my credit report I expect written confirmation that this fraudulent account has been fully and permanently removed. Failure to comply will result in further action, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and potential legal recourse.

This is fraud, and I do not owe this debt. I demand your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Without Prejudice

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: CA

Complaint narrative:
On XX/XX/scrub>, 2025, I submitted a complete Borrower Assistance / Loan Modification application to Selene Finance via email, including all required supporting documentation. My application triggered the obligation to review it promptly and communicate clearly per federal mortgage servicing rules. 

Since then, I have experienced repeated servicing failures : Loss or mishandling of submitted documents Several representatives confirmed receipt of my complete documentation, only for later representatives to claim the same documents were missing or insufficient weeks later, without timely notice. 

Conflicting information and shifting timelines I was told my application would be escalated for Intake Team sign-off by XX/XX/XXXX, then later told XX/XX/XXXX without explanation. 

No single point of contact I spoke with at least four different representatives ( XXXX, XXXX, XXXX, XXXX ), each unfamiliar with my case, forcing me to re-explain my situation every time. 

Technical barriers to submission I was not informed until weeks into the process that Selenes document intake email has a 7MB limit, which may have caused prior submissions to be rejected. 

Credit threat while in review On XX/XX/year>2025, a representative told me that if I could not make my upcoming payment, they would report negatively to my credit bureau, despite my active pending application. 

Key dates : XX/XX/scrub> 2025 : Initial submission via email. 

XX/XX/scrub> 2025 : Told application not received ; resubmitted via portal. 

XXXX XXXX, 2025 : Acknowledgment received ; uploaded all requested documents. 

XXXX XXXX, 2025 : Told documents missing despite prior confirmations ; contradictory timelines given. 

XX/XX/year>2025 : Told some documents insufficient weeks later ; resubmitted via email and fax. Still no dedicated case manager assigned. 

Impact : Prolonged processing delays that jeopardize my ability to get timely assistance. 

Significant XXXX XXXX and frustration. 

Risk of credit damage caused by threats of negative reporting while the application was pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CT

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX BALANCED {$7400.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$3700.00} XXXX  XXXX XXXX XXXX BALANCED {$3500.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: Tower Loan of Mississippi, Inc.
State: AR

Complaint narrative:
Tower Loan is reporting multiple installment accounts to my credit report that I believe contain inaccurate or unverifiable information. I have requested verification and documentation to support their reporting, including signed contracts and payment histories, but they have failed to provide any details. Instead, Tower Loan has dismissed my complaints as frivolous without conducting a proper investigation, which is a direct violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

I have never received a full breakdown or verification of the five accounts they claim I originated. I am not disputing the fact that accounts may have existed I am disputing the accuracy, completeness, and legality of the data being reported. Tower Loans refusal to cooperate or investigate is obstructing my ability to correct my credit report and exercise my consumer rights. I am requesting that this matter be fully reviewed and that any unverifiable or inaccurate accounts be removed from my credit report.

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 2025-08-08 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: AR

Complaint narrative:
XXXX XXXX is reporting multiple installment accounts to my credit report that I believe contain inaccurate or unverifiable information. I have requested verification and documentation to support their reporting, including signed contracts and payment histories, but they have failed to provide any details. Instead, XXXX XXXX has dismissed my complaints as frivolous without conducting a proper investigation, which is a direct violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

I have never received a full breakdown or verification of the XXXX accounts they claim I originated. I am not disputing the fact that accounts may have existed I am disputing the accuracy, completeness, and legality of the data being reported. XXXX XXXX refusal to cooperate or investigate is obstructing my ability to correct my credit report and exercise my consumer rights. I am requesting that this matter be fully reviewed and that any unverifiable or inaccurate accounts be removed from my credit report.

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 2025-08-07 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: GA

Complaint narrative:
I discovered multiple collection accounts on my credit report that I was previously unaware of. These accounts were placed by different companies without my knowledge, and I was never properly notified or given a chance to resolve or dispute the debts before they were reported. Heres a breakdown : 1. XXXX XXXX XXXX / XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$480.00} Issue : I was never informed by XXXX XXXX XXXX about any outstanding balance. I received no bills, notices, or communication. The debt appeared on my credit report unexpectedly. 
Actions Taken : I contacted both XXXX and XXXX for more information and requested validation of the debt. I am now formally disputing it and requesting removal from my credit report.

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