vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: MOHELA
State: KY

Complaint narrative:
on my credit report i see XXXX installments of higher education loans that were reported 1 month ago all XXXX are dated XX/XX/year>. the loan states Missouri Higher Education Loan, I never stepped foot in Missouri and i never even went to Missouri ever nor did i ever do higher education, i only did XXXX at XXXX XXXX XXXX the engineering school at XXXX XXXX XXXX called XXXX XXXX. i have my education transcript papers, and i believe that my identity has been stolen, the house listed as my current was also incorrectly changed and the loans were added recently a month ago suggesting identity theft has occured how can i change my social security, i saw this when i logged into my equifax when my current address was listed as previous and a new address i had never been to or lived at was listed as current, then i saw XXXX installments of loans from out of state i only lived in XXXX  my whole life in america, i have lived in XXXX  my whole life in the XXXX years after XXXX, i think someone stole my identity to get loans for their higher education in a state i do not live in nor have i ever stepped foot in missouri, please help get these loans off of my credit report on XXXX  these do not belong to me, please help get these off of my account i never went to any higher education school in missouri, help me fix this incorrect address issue and this incorrect loans that are not legally mine i am not legally obligated to have this on my credit report i can not legally pay for someone elses loans in a state i have never even been in.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
I am writing to formally dispute a hard inquiry made by [ XXXX XXXX ] on [ Date ], as I have never applied for credit or conducted any business with this company. I have no relationship with them, and I did not authorize any access to 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
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express stated to Me that they could NOT refund the XXXX dollars that I had paid as I was not made aware that the fee was being charged... They stated to me that since it was not within the XXXX day window that they could not refund the XXXX that I paid yesterday when i was never made aware that the XXXX dollar charge was for their annual fee when todays date put me XXXX days past their deadline.. I am not going to use their card for anymore future purchases and i feel that I was misled as a senior citizen age XXXX and also feel that i was taken advantage of by the XXXX dollar annual fee not being brought to my attention when they approved the card online.. Yesterday was the XXXX time that i was made aware of the XXXX dollar annual fee and like i told American Express customer service rep that I would have never accepted their credit card if I had prior notice of the HIGH annual fee that is charged on an annual basis...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within XXXX business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 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 been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within XXXX business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
To Whom It May Concern, at EXPERIAN and EQUIFAX and XXXX XXXX I am writing on behalf of the corporate entity known as XXXX XXXX XXXX, associated social security account ending in ( XXXX ) in my capacity as the duly authorized agent and legal representative. Pursuant to UCC1 filings establishing my claim, I hereby formally request that you and your agency immediately withdraw all allegations, claims, and publications related to this entity.

Additionally, I hereby invoke common law jurisdiction and assert my constitutional rights, including but not limited to : The right not to incriminate myself, The right to privacy, The right to remain silent.

Therefore, I demand that this publication be removed immediately and completely without any questions being asked.

You do not have permission or lawful authority to use the corporate entitys name, likeness, or any associated personal information, nor to publish, distribute, or monetize this information in any form.

As the authorized agent and representative, I hold the primary copyright and legal claim over all information related to this entity. Accordingly, I demand : Immediate removal of all content referencing XXXX XXXX XXXX from your website and any affiliated platforms. 

A full retraction of any claims or allegations made against this corporate entity. 

Proof of any lawful authority, license, or permission you claim to have for publishing or maintaining this content. 

A sworn affidavit under penalty of perjury confirming your lawful basis to use or publish this information. 

Failure to comply will result in my pursuing all available legal remedies, including but not limited to formal XXXX takedown notices and potential litigation as well as state and federal court proceedings, as well as filing complaints on all parties involved with corresponding legal departments and requesting investigation on accounting and FDCPA violations to pursue lawsuits and compensating damages if need be Affiant request an updated report sent to address below Contact Information : Agent on behalf of XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and 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 non-monetary relief
Consumer complaint received 2025-07-17 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report, I noticed some accounts I am not familiar with. I have asked the CRA 's for a validation of debt, however the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with. 

Please Find Attached a Copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national database

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This morning I discovered an unfamiliar inquiry on my credit file, and I have no idea how or why its there. I routinely monitor my report and was shocked to see something like this. I even tried refreshing my browser to rule out a display issue, but its clearly not a glitch. Im asking you to urgently go over my submitted documents and get this fixed Im beyond frustrated and need peace of mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Mid-Atlantic Finance Co., Inc.
State: VA

Complaint narrative:
I bought a car from the dealership in XXXX, paying for it in installments. And they have registered me at the bank by opening an account without my permission and without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MS

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
Subject : XXXX XXXX Account # XXXX Amount {$6600.00} Request for Account Information and Form 1099-C Dear Consumer Financial Protection Bureau, I am writing regarding an account listed on my credit report. Please note that I am not disputing the amount owed. However, I am requesting specific information to ensure the accuracy and completeness of the records associated with this account.

I respectfully request the following : The date of first delinquency The date of last payment The date the account was charged off A copy of Form 1099-C, Your assistance in providing this information would be greatly appreciated. Please let me know if any further documentation is required in order to process my request.

Thank you for your time and attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This is a formal complaint against TransUnion for failing to maintain reasonable procedures to ensure maximum possible accuracy in my credit report, as required by 15 U.S.C. 1681e ( b ), and for failing to complete an investigation of my dispute within the 30-day period mandated by 15 U.S.C. 1681i. 

On XX/XX/XXXX, I submitted a dispute letter to TransUnion identifying inaccurate and misleading information in my credit report. Despite the legal requirement to investigate and resolve the dispute within 30 days, TransUnion has failed to respond adequately or correct the errors. This non-compliance violates federal credit reporting laws, which mandate that credit bureaus ensure 100 % accurate information and take all necessary steps to verify the accuracy of reported data. 

The following items, included in my initial dispute, are inaccurate and must be deleted from my credit report immediately : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Mortgage Balance Owed : {$200000.00} Date Opened : XX/XX/XXXX Remarks : Dispute resolved; customer disagrees Issue : Inaccurate reporting and unresolved dispute. 


XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Revolving Balance Owed : {$9800.00} Date Opened : XX/XX/XXXX Issue : Inaccurate payment history ( 60 days late reported incorrectly ). 



XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Revolving Balance Owed : {$4400.00} Date Opened : XX/XX/XXXX Remarks : Dispute resolved; reported by grantor Issue : Inaccurate reporting and unresolved dispute. 



XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account Type : Installment Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX Issue : Inaccurate payment history ( 60 days late reported incorrectly ). 



XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Installment Balance Owed : {$18000.00} Date Opened : XX/XX/XXXX Issue : Inaccurate payment history ( 60 days late reported incorrectly ). 



XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Account Type : Installment Balance Owed : {$20000.00} Status : Collection/Chargeoff Date Opened : XX/XX/XXXX Issue : Inaccurate derogatory status and balance. 



Inquiries XXXX XXXX  : XX/XX/XXXX XXXX  XXXX  : XX/XX/XXXX Issue : Unauthorized or inaccurately reported inquiries. 

These inaccuracies represent a serious error in TransUnions reporting procedures and have caused significant harm to my creditworthiness. TransUnions failure to respond within the legally mandated 30-day period further exacerbates this violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
explains why the item must be removed * requests investigation and deletion within the FCRA 's timelines 4. Outline a clear, step-by-step action plan with suggested deadlines to s and escalate if necessary. 

I When you respond, use headings for each item ( for example, " 1. Late Pay Include citation styles such as " 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) and end with a actions Tools

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
explains why the item must be removed * requests investigation and deletion within the FCRA 's timelines 4. Outline a clear, step-by-step action plan with suggested deadlines to s and escalate if necessary. 

I When you respond, use headings for each item ( for example, " 1. Late Pay Include citation styles such as " 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) and end with a actions Tools

Company response to consumer: Closed with explanation