vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Urgent Request for Correction of Inaccurate Personal Information Under FCRA 1681e ( b ) Dear CFPB, I am submitting this formal complaint regarding multiple instances of inaccurate personal information appearing on my credit reports from Equifax, Experian, and TransUnion. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of consumer information.

The following personal information is incorrect and requires immediate removal : Incorrect Name Variation : Reported : XXXXXXXX XXXX Correct : [ Your Full Legal Name ] Incorrect Previous Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Never resided ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ( Never resided ) XXXX XXXX XXXX AV XXXX, XXXX XXXX, CA XXXX ( Never resided ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ( Never resided ) Incorrect Name/Address Combination : Reported : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Correct : [ Your Current Accurate Information ] Legal Basis for Removal : FCRA 1681e ( b ) : Requires credit bureaus to follow reasonable procedures for accuracy FCRA 1681i : Grants consumers right to dispute inaccurate information CFPB Bulletin 2013-01 : Mandates proper investigation of disputes Demanded Actions : Immediate removal of all inaccurate personal information Written confirmation from all three bureaus once corrected Free updated credit reports reflecting changes Investigation into how inaccurate information was reported Supporting Evidence : Government-issued ID ( copy attached ) Utility bills/lease agreements proving residence history Previous dispute correspondence ( if applicable ) This inaccurate information may indicate potential identity mixing or identity theft, and its presence violates my rights under federal law. I demand resolution within the FCRA 's mandated 30-day timeframe.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: AZ

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 2025-05-21 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:
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 non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: GA

Complaint narrative:
I noticed a collection account from XXXX XXXX, XXXX on my credit report that I do not recognize or recall authorizing. I did not open or agree to this account, and I believe it may be fraudulent or the result of identity theft. I first discovered this account on [ insert date you saw it ], and it is negatively affecting my credit. 

I submitted an online dispute through the credit bureaus portal and requested verification or removal of the account. Despite providing supporting documents, the item remained on my report without clear justification or proof that I authorized it. 

XXXX XXXX has not contacted me directly nor provided any documentation showing that this debt is valid or that I consented to it. I am requesting that the credit bureau and XXXX XXXX conduct a proper investigation and delete the account if it can not be verified with legitimate evidence. 

I have already taken steps to protect my identity, including [ filing a police report/ FTC Identity Theft Report / placing a fraud alert only include if applicable ].

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 2025-05-21 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: FL

Complaint narrative:
For months, interest has been accruing on my student loans despite being in SAVE forbearance and loans are not supposed to accrue interest during that time. 

I have called Mohela multiple times and when I do get on the phone with them to ask about this issue, they claim that they are doing research for a few minutes then they have give me conflicting information. One representative has told me that Mohela has no control over interest accruing on the accounts and that it is all on XXXX 's side. And another representative has told me months ago that Mohela is actively working on removing the interest. I have also been told that they expected the interest to be wiped off in XXXX and then another representative has told me that the interest is estimated to be removed at the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by [ Transunion ]. 
Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX ], but it is incorrectly listed as [ XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX ]. I request that my name be updated to reflect the correct information. 
XXXX. Outdated Address : My current residential address is [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ], while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ]. I request that my current address be updated accordingly. 
XXXX. Incorrect XXXX XXXX : I request that my new phone number, [ XXXX ], be updated as my primary contact number. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number. 
Request for Confirmation : I request that [ Transunion ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
XXXX XXXX : If you require further information or documentation, please do not hesitate to contact me at [ XXXX ] or by email at [ XXXX ]. 
Thank you for your prompt attention to this matter.

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 2025-05-21 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: TN

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-21 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:
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 2025-05-21 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: GA

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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am submitting this complaint regarding several accounts currently being reported on my credit file. After reviewing my credit report, I identified multiple itemsboth personal information and account-level datathat I believe are inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute such information, and I have exercised that right through a detailed letter listing each account and the specific information I am challenging. I am requesting that Transunion properly acknowledge my dispute, and more importantly, conduct a full and thorough investigation at the account level. Each disputed item must be verified, corrected, or modified. If any of the disputed information can not be fully verified and corrected, then the account must be considered inaccurate or incomplete and should be removed from my credit report in accordance with FCRA.

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 2025-05-21 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-22 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-22 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: CA

Complaint narrative:
Equifax is reporting multiple collection or charge-off accounts including XXXX  ( account ending XXXX, dated XX/XX/XXXX, {$0.00} balance ), XXXX  ( account ending XXXX, {$1400.00} balance ), XXXX  XXXX  ( account ending XXXX, dated XX/XX/XXXX, {$540.00} balance ), and XXXX ( account ending XXXX, dated XX/XX/XXXX, {$4100.00} balance ). I dispute the accuracy and completeness of these listings. These accounts appear to contain inaccurate balances or status details, which are detrimental to my credit report. According to FCRA Section 1681i, Equifax must conduct a reasonable reinvestigation and remove or correct unverifiable or incomplete information. 

Recent CFPB findings have revealed serious concerns regarding Equifaxs failure to conduct proper investigations, including allegations of sham investigations violating consumer protection laws. Equifax is required under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681 ( a ) ( 5 ) to thoroughly investigate and promptly correct or delete inaccurate information. The presence of these potentially inaccurate accounts imposes significant financial harm and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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 no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Equifax is reporting late payment notations on the XXXX account ending in XXXX from XX/XX/XXXX, and the XXXX account ending in XXXX from XX/XX/XXXX, despite both accounts being closed and paid in full with XXXX balance and no past due amounts. This inaccurate reporting severely affects my credit standing by implying payment problems that no longer exist. 

Given recent scrutiny and findings regarding XXXX failure to properly investigate and update consumer information, I am concerned that these late payment entries remain on my report due to insufficient reinvestigation. The incorrect reporting of late payments on fully paid accounts violates my rights under the Fair Credit Reporting Act and leads to financial harm.

Company response to consumer: Closed with explanation