vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of information reported on my credit report. Upon review of my credit report, I have identified inaccuracies in the reporting of the following account : The following personal information is incorrect : XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$77.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$950.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX  Account XXXX XXXXDate Opened : XX/XX/XXXX Amount : {$94000.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX  Account XXXX Date Opened : XX/XX/XXXX XXXX Please remove it from my credit report under 15 USC 1681i Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information. 
These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely. 
I expect the inaccuracies to be corrected or the account to be removed from my credit report within XXXX days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of information reported on my credit report. Upon review of my credit report, I have identified inaccuracies in the reporting of the following account : The following personal information is incorrect : XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$77.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$950.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX  Account XXXX XXXXDate Opened : XX/XX/XXXX Amount : {$94000.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX  Account XXXX Date Opened : XX/XX/XXXX XXXX Please remove it from my credit report under 15 USC 1681i Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information. 
These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely. 
I expect the inaccuracies to be corrected or the account to be removed from my credit report within XXXX days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy

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 2025-07-18 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: MA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
The first time, I tried to update the inaccurate information of the misspelling of name on my Experian credit report, and Experian failed to make the correct updates to my personal information. 

I printed out a copy of my credit report online and my name was correct but i called Experian and their records were still reporting inaccurate personal information about the correct spelling of my name. 

The second time, I called Experian and spoke with two representatives on XX/XX/year>XXXX  at XXXX ( XXXX XXXX and XXXX ( XXXX ) both in Eastern standard time, and they both refused to delete and update my report with the correct spelling of my name, after I gave both of them all my personal information ( social security number, date of birth,, address, email address, and phone number ) to verify myself with them.

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 2025-07-18 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-18 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
Dear, CAINE & WEINER I am writing this letter I am unaware of this debt and did not have the opportunity to review this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete this account as soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am requesting the removal of a charged-off account reported by Bank of America that is no longer legally collectible. This debt was part of a dismissed XXXX  XXXX bankruptcy and is now beyond the New York statute of limitations for collection ( 3 years ). Despite this, Bank of America continues to report it as a charge-off, harming my credit and violating the Fair Credit Reporting Act ( FCRA ). 

Additionally, I am requesting verification of whether Bank of America issued a 1099-C for cancellation of this debt. If it was canceled and reported to the IRS as income, then Bank of America can not legally continue reporting the debt as owed or collectible. 

Bank of America has failed to provide proper validation despite my prior written requests. I am asking the CFPB to investigate this matter and ensure this outdated and potentially inaccurate item is removed from my credit reports.

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 2025-07-18 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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 2025-07-18 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: FL

Complaint narrative:
I canceled my XXXX XXXX XXXX because the signal in my area was unusable. Prior to the cancellation, they provided me with a signal booster but it did not resolve the issue. I followed their instructions to return the signal booster to a XXXX store. The XXXX  delivery notification indicates, " The shipment was received by RETURN CENTER, and left at DOCK. '' But XXXX charged me for it anyway. I disputed the charge with my credit card company. Instead of going through the dispute resolution process, XXXX charged me again the following month. I disputed again, and XXXX charged me again. This repeated for 3 months until I was forced to cancel that card and get a new one to prevent continued charges. I have spent hours on the phone with XXXX trying to resolve this matter. I worked with the XXXX store from where it was shipped and they provided me with documented proof that it was shipped and received. I have provided this documentation to XXXX but they refuse to acknowledge receipt and filed a charge-off to my credit report. I then provided the documentation to Trans Union but they refuse to remove it. Instead they marked it as paid which of course is not the same as removing it. It still shows up as a negative strike. I have since learned by reviewing XXXX  complaints that many other XXXX customers have been victimized in the same or similar ways. It seems this is a common business practice for them. I imagine many people don't fight back like I do so XXXX gets a way with it further emboldening them to continue taking advantage of their consumers.

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 2025-07-18 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: MS

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-18 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 checked my credit reports and I see that someone has been using my identity. They tried to apply for loans under my name. I have inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person XXXX XXXX has a Massachusetts license in my name

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 2025-07-18 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: NV

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-07-18 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: MA

Complaint narrative:
Mohelal is sending me conflicting correspondence. Particularly it conflicts with the status of my account on their web page. They sent me an invoice that says I am in repayment and I was late so I had to make a double payment. However my account says I am in forbearance and has a XXXX XXXX payment. To make a payment I had to do a custom payment because I wanted to keep my account in good standing but since I have two loans I had to allocate the amounts to each loan manually. It wasnt particularly difficult but if this is happening to a lot of people I imagine it will be confusing for some. This morning they sent me a letter saying I am in forebearance because I am in SAVE but I have never been in SAVE I have always been in IBR. I am still waiting for them to process my IBR recertification application which I supplied to them in XXXX or XXXX of XXXX. The Studentaid site says I don't need to do anything because I selected to have them check/verify my income directly with the IRS but then Mohela is telling me to cancel my application and re apply. Also the StudentAid site is saying I am in forebearance until a different date then the Mohela site says. All of my information is in disarray and every time I call Mohela they have to transfer me to an administrator who puts me on hold for at least 2.5 hours regardless of what they says the estimated wait time is. I have yet to make it off of hold and speak to someone. IN fact I am on hold as I write this to you ... it's been 2 hours 28minutes. I have messaged Mohela several times now via my account messaging and have yet to hear back.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-18 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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