vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX$270.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$710.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX {$170.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX * * * * {$1200.00} Date Opened : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
I initially applied for an IBR payment plan to my loan servier, MOHELA, back in XXXX. I was told verbally by a representative and in writing that my loans would be placed in a processing forbearance until the application was processed. This never happened. 

Is has been exceedingly difficult to get this issue resolved. Written inquires are met with generic letters stating that my loans should be in processing forbearance, but MOHELA hasn't done that. 

When attempting to call, wait times are almost always 3-4 hours, which is time prohibitive for someone who works during MOHELAs phone service hours. One the few times I have been able to reach a person and been escalated to an advanced representative, they seem confused why all of my loans haven't been placed in forbearance. They typically say they have done something to remedy the issue, but nothing changes and my loans continue to be in repayment and late payments continue to accumulate. 

I currently owe almost {$5000.00} in late payments instead of the {$0.00} it should be while they process my IBR application. I am concerned about default and the impact that will have on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: LA

Complaint narrative:
I request that the CFPB investigate this matter and take appropriate action to remove the late payments and ensure that this situation is addressed. On XXXX XXXX Mohela impacted my credit score -155 points due to unawareness of late payments. There are a lot of inaccuracies from them on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account 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 XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This record of late payments is erroneous and does not accurately reflect my regular payment patterns. I have consistently made my payments on time, and I ask that it be deleted to guarantee that my account is reflecting correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX -Texas firm knowingly took child support to repay their client debts ( credit agency. Yes- emails and all communication was sent. After- I filed after -bankruptcy and they still refuse to refund my full amount of child support and all negative balances due to lack of repayment.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
am filing a formal complaint regarding an unauthorized collection account reported by AmSher Collection Services on my credit report. The account was opened in XX/XX/year> for the amount of {$1100.00}. 

I do not recognize this debt and have received no prior communication or validation of the debt from AmSher, as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681i ( a ), I have the right to dispute inaccurate or incomplete information and request an investigation. I also have the right to request verification under 15 U.S. Code 1681g and 1681s-2 ( b ). AmSher has failed to meet these obligations.

This account is damaging my credit profile and may be the result of identity theft or reporting error. I request that the CFPB require AmSher and the credit reporting agencies to investigate and either fully validate or remove the account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My XXXX Federal Student Loans were forgiven as of XX/XX/year> when I reached XXXX payments. I received the Forgiveness letter which was dated XX/XX/year>. Both my account overviews show a XXXX balance. But they are still not reported as a debt on my credit report. This is disastrous for me. 

XXXX year later, the balance in that letter of forgiveness {$230000.00} is still appearing as a balance to be paid on Experian and Transunion credit reports. It is showing as closed but not paid/discharged on Equifax. 

XXXX only reported {$75000.00} as paid as of XX/XX/year>. I do not know if this is a duplicate loan amount that they corrected or an error. But they did not report the full amount forgiveness. My forgiveness was processed during the XXXX platform rollover. I repeatedly contacted them to ask for correct reporting and to complain about the issue. 

As of today my credit reports show the {$230000.00} as a debt based on XXXX 's reporting of XX/XX/year>, XXXX was still reporting the forgiven amount of {$230000.00} to the credit agencies and showing the debt as in XXXX struggled for decades with these loans. It's been a year and XXXX is still not reporting the account as closed. The credit agencies have not corrected my report even with the supporting letter of XXXX and XXXX and the screen shots of my accounts. 

I have now not been able to qualify for mortgages as a result of this. 

I need XXXX to correct the reporting and for the credit bureaus to correct my report based on the supporting documents I have sent. 

Thank you for your good work amid difficult circumstances.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My XXXX Federal Student Loans were forgiven as of XX/XX/year> when I reached XXXX payments. I received the Forgiveness letter which was dated XX/XX/year>. Both my account overviews show a XXXX balance. But they are still not reported as a debt on my credit report. This is disastrous for me. 

XXXX year later, the balance in that letter of forgiveness {$230000.00} is still appearing as a balance to be paid on Experian and Transunion credit reports. It is showing as closed but not paid/discharged on Equifax. 

XXXX only reported {$75000.00} as paid as of XX/XX/year>. I do not know if this is a duplicate loan amount that they corrected or an error. But they did not report the full amount forgiveness. My forgiveness was processed during the XXXX platform rollover. I repeatedly contacted them to ask for correct reporting and to complain about the issue. 

As of today my credit reports show the {$230000.00} as a debt based on XXXX 's reporting of XX/XX/year>, XXXX was still reporting the forgiven amount of {$230000.00} to the credit agencies and showing the debt as in XXXX struggled for decades with these loans. It's been a year and XXXX is still not reporting the account as closed. The credit agencies have not corrected my report even with the supporting letter of XXXX and XXXX and the screen shots of my accounts. 

I have now not been able to qualify for mortgages as a result of this. 

I need XXXX to correct the reporting and for the credit bureaus to correct my report based on the supporting documents I have sent. 

Thank you for your good work amid difficult circumstances.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My XXXX Federal Student Loans were forgiven as of XX/XX/2024 when I reached 120 payments. I received the Forgiveness letter which was dated XX/XX/2024. Both my account overviews show a XXXX balance. But they are still not reported as a debt on my credit report. This is disastrous for me. 

XXXX year later, the balance in that letter of forgiveness {$230000.00} is still appearing as a balance to be paid on XXXX XXXX XXXX credit reports. It is showing as closed but not paid/discharged on Equifax. 

XXXX only reported {$75000.00} as paid as of XX/XX/2024. I do not know if this is a duplicate loan amount that they corrected or an error. But they did not report the full amount forgiveness. My forgiveness was processed during the XXXX platform rollover. I repeatedly contacted them to ask for correct reporting and to complain about the issue. 

As of today my credit reports show the {$230000.00} as a debt based on XXXX 's reporting of XX/XX/2024, XXXX was still reporting the forgiven amount of {$230000.00} to the credit agencies and showing the debt as in forbearance.I struggled for decades with these loans. It's been a year and XXXX is still not reporting the account as closed. The credit agencies have not corrected my report even with the supporting letter of Forgiveness and Discharge and the screen shots of my accounts. 

I have now not been able to qualify for mortgages as a result of this. 

I need XXXX to correct the reporting and for the credit bureaus to correct my report based on the supporting documents I have sent. 

Thank you for your good work amid difficult circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I dont recognize the inquiries on my credit report at all. My information was misused and used for fraudulent activities. It has effected my credit in a negative way manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
National Credit Systems , INC of XXXX XXXX Debt collector has called multiple times I requested they mail us a letter and validate the debt. They claim they mailed documents, however i have no such documents. I informed them that the landlord refused to reply to my request for information on the charges they are attempting to bill me for and they would not reply. Which has not given me the opportunity to pay or validate debt. Landlord forwarded this to collections causing harm to credit and ability to seek affordable credit. I asked them to provide information on how they validated the debt. Debt collector continues to belittle myself and my fiancee when i attempt to explain that the landlord refused to communicate regarding debt or lease terms. I have filed a small claims case against the landlord in an attempt to force them to communicate regarding the debt. National Credit Systems refuses to provide details regarding the disputed status, debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint due to Experians continued reporting of inaccurate and misleading information on a secured credit card account issued by XXXX XXXX. Despite the account being charged off with a reported balance of {$200.00}, Experian also reports that {$0.00} was paid monthly from XX/XX/XXXX through XXXX. These entries are contradictory and violate FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and complete information. 

More importantly, this was a secured credit card, and I have documentation proving I made a security deposit of {$200.00} to secure the account. According to industry practice and the cardholder agreement, the issuer is expected to apply this deposit toward any balance owed upon account closure. If the security deposit was applied, the continued reporting of a charge-off and balance due is false or misleading and negatively affects my credit. 

I previously disputed this with Experian in XX/XX/XXXX, and they failed to correct the information or address the secured nature of the account. The reinvestigation was incomplete and did not address the core issue of how a secured account can legally be charged off without adjusting for the deposit. 

I am requesting that the CFPB intervene and require Experian to either : Provide documented proof from XXXX that the deposit was not used to offset the balance, OR Remove the account entirely for failing to comply with the FCRAs requirement for accurate and non-misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing the XXXX XXXX tradeline reported on my credit reports. Under the Fair Credit Reporting Act ( FCRA ) 1681i, I requested a reasonable reinvestigation and asked XXXX to provide proper validation, including the original signed contract ( wet ink signature ) and complete account records. XXXX has failed to provide this documentation and continues to report negative and inaccurate information on my credit files. The account is marked as closed with negative marks but has not been properly verified. I am requesting that this unverifiable tradeline be permanently deleted from all credit bureaus ( Experian, Equifax, TransUnion, XXXX ) immediately. Please escalate this matter for CFPB enforcement review if XXXX fails to comply, as they are in violation of the FCRA and XXXX XXXX reporting standards.

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 2025-05-07 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: PA

Complaint narrative:
I am disputing the XXXX XXXX tradeline reported on my credit reports. Under the Fair Credit Reporting Act ( FCRA ) 1681i, I requested a reasonable reinvestigation and asked XXXX to provide proper validation, including the original signed contract ( wet ink signature ) and complete account records. XXXX has failed to provide this documentation and continues to report negative and inaccurate information on my credit files. The account is marked as closed with negative marks but has not been properly verified. I am requesting that this unverifiable tradeline be permanently deleted from all credit bureaus ( Experian, Equifax, TransUnion, XXXX ) immediately. Please escalate this matter for CFPB enforcement review if XXXX fails to comply, as they are in violation of the FCRA and XXXX XXXX reporting standards.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> I requested proof of verification and experian failed to provide that information despite me providing proof that the bankruptcy should be removed. This information is only reporting on my experian report and I request it is removed immediately as it is incorrect

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Dept of EducationXXXX XXXX XXXX Opened on XX/XX/XXXX US Dept of EdXXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts were added without my consent, and I had no involvement in authorizing or initiating them.

Company response to consumer: Closed with non-monetary relief