vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: FL

Complaint narrative:
I applied for the SAVE plan in XX/XX/XXXX. According to the Department of Education 's website, I should have been placed in interest-free SAVE forbearance in XX/XX/XXXX. My loan servicer, MOHELA, finally sent confirmation of this in XX/XX/XXXX, with a letter confirming that my loans were in forbearance and would not accrue interest. I subsequently called multiple times throughout XXXX and XXXX to confirm this information. However, for the last 8 months, my account has still shown as accruing interest. When I called regarding this issue, they claimed the interest would be retroactively removed, but they did not indicate when this would happen. 

With interest still accruing, I called again in XX/XX/XXXX, after which they informed me that I wasn't eligible for SAVE forbearance and instead would be placed in an interest-bearing general forbearance. This completely contradicts what I have been told over the phone and in writing for the last 8 months, and I now have no idea whether my loans have been accruing interest this entire time, or if they are just giving me false information. I have multiple letters clearly stating I should be in interest-free forbearance, but the representatives on the phone seem clueless to the entire issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NJ

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello There! 

I recently read through a copy of my credit report and I saw addresses on there that are not correct. I looked up your website and I have enclosed proof of my current address that you require. 

Here is a list of the incorrect addresses, please remove them : The only address that should be listed is shown at the top of this letter. I also would like for you tocorrect the spelling of my name. There should absolutely not be any variations of my namebecause it is spelled one way. I have enclosed my ID as proof of the correctspelling. 

Again, here is a list of the incorrect spellings : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, MI, XXXX - This employer information does not belong to me.

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 2025-02-05 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: CA

Complaint narrative:
I have tried several times to dispute and demand investigations on the negative accounts on my Experian, XXXX and XXXX XXXX, credit accounts. I have reached out to original creditors and collectors to provide proper investigation report and haven't received any result under my rights to remove all negative reporting without full investigation.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was supposed to have 4 continuous years of student loan. They were processed as yearly. The fourth year was supposed to be exactly as the previous ones. In XXXX received a bill for interest only. I called and told it was a mistake and the payment was to be deferred and to ignore the bill. This happened again in XXXX and XXXX. I kept getting told it was deferred because the student was still in school. After countless trips to the bank and phone calls I was told that I was supposed to being paying the interest. Now my credit score has been negatively. My score hovered around XXXX and is now around XXXX with delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
This is my second complaint from. I received a notification that Cash app responded to my complaint. I never got a response from them the first time, the second time, and now the third time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) by re-reporting a previously deleted account on my credit report without proper notification or certification of accuracy. 

Details of the Violation : Account Information : XXXX XXXX XXXX ( Account # XXXX ) Previous Status : This account was deleted from my credit report, as shown in my Experian credit report ( see attached screenshot ). 
Current Issue : Despite being removed, the account has been reinserted without proper notification to me, as required under FCRA 611 ( a ) ( XXXX ) ( B ). 
Lack of Notification : Per the FCRA, if a previously deleted account is reinserted, the credit bureau must notify me within five business days. I have not received any such notification, which indicates a failure to comply with this requirement.

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 2025-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I was contacted by American Accounts and Advisors regarding an apparent medical debt owed. I was not given the mini-miranda prior to the collector discussing the debt and they did not attempt to confirm my identity. I advised that the debt was covered by insurance and I was not responsible for any portion of the same, something I also told their client numerous times by phone, email, and letter. The representative became aggressive and hostile and began yelling at me after I informed him that he was in violation of the FDCPA with his phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
Please removed all inaccurate information in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XXXX oXXXX XXXX  a charge for a magazine subscription found its way onto my XXXX account. Believing that the account had a XXXX balance I was not aware until the bill was 60 days past due. Since that happened my credit report contains the words " serious delinquency ''. As the amount was something less than {$18.00} and there is otherwise no blemishes on any of my other credit cards. I don't believe it is fair to me to have to carry this derogatory on my credit report. Try as I might, I have been unable to convince Equifax to remove this from my report. Is there something you can do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-02-05 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: FL

Complaint narrative:
Im writing out of sheer frustration with the repeated errors on my report. These inaccuracies have caused my score to drop and are actively limiting the options available to me. Its unfair and disheartening to see mistakes that I didnt create impacting my life so negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
Experian is reporting inaccurate information and negative accounts has to be removed according to the 1681 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 explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information that remains on my credit report, despite previous attempts to have it corrected. The issues I have encountered mirror the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian ( Case No. 8:25-cv-00024 ), which alleges systemic failures in Experians dispute handling process, including : -Failure to Conduct a Reasonable Reinvestigation : Experian has not properly investigated my disputes, instead relying solely on automated responses from furnishers without considering relevant supporting documentation. 
-Failure to Provide Furnishers with All Relevant Information : My dispute submissions included documentation proving inaccuracies, but Experian failed to forward this information to the data furnishers. 
- Failure to Notify Me of Reinvestigation Results Clearly : The responses I have received from Experian regarding my disputes have been ambiguous, contradictory, and failed to specify what actions were taken. 
- Failure to Prevent Reinsertion of Previously Deleted Information : Despite a prior deletion of incorrect items, some of the disputed information has reappeared on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation and ensure maximum possible accuracy of my credit report. I request that you immediately : 1. Reinvestigate the inaccurate information on my credit report in accordance with FCRA requirements.

2. Forward all supporting documentation I have provided to the furnishers of the disputed information. 
XXXX. Provide me with a clear and detailed response indicating what actions were taken, what information was updated, and why. 
XXXX. Permanently delete inaccurate or unverifiable information that can not be substantiated by reliable records. 

Please respond to this dispute within 30 days as required by the FCRA. If these issues are not properly addressed, I will escalate my complaint to the CFPB and consider legal action. 

Sincerely, 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 2025-02-05 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: CBC Companies, Inc.
State: NC

Complaint narrative:
FCRA 604 ( 15 U.S. Code 1681b ) FCRA 611 ( 15 U.S. Code 1681i ) FCRA 609 ( 15 U.S. Code 1681g ) i am writing to formally dispute and request the immediate removal of the following unauthorized fraudulent Accounts from my XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese Accounts were OPEN without my authorization and are fraudulent and are a violation of my consumer rights under the FEDERAL CONSUMER REPORTING AGENCY ( FCRA ). Specifically listed on attached FTC REPORT, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below and the items listed on FTC report :

Company response to consumer: Closed with non-monetary relief