vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I HAVE BEEN GETTING NOTIFIED THAT THESE AMERICAN EXPRESS ACCOUNTS KEEP REAPPREARING ON MY CREDIT. I HAVE LEGAL LETTERS SHOWING PROOF THAT THESE ACCOUNTS ARENT MINE, I AM DEMANDING THAT AMEX BE REMOVED OFF OF MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
Weeks prior I have settled on a settlement with mohela made the first payment to cease debt collections, was instructed to wait for my agent to call and set up finally payment arrangements. Since then I have received non stop harassing calls about making a payment on my account to bring it current, that was not needed since we are in a settlement agreement already. Today they reached out to my wife while she was at her job. I called them and asked how they even found her info since this loan was taken before we knew each other and they proclaimed she had called them. I have phone records showing they contacted her. In there recorded system they cant tell me anything and proceeded to explain to me my wife must have been deleting her call history showing she called them. But why would she still have the incoming calls on the log from mohela? That means at some point they called her phone and did not identify themselves and just said they had arranged a phone meeting with me later in the evening. So no my wife and I are in a disagreement on who is strangely calling her and tell her info about my meeting and when they are mind you thats how we figured out who this mystery phone call was. So this needs to end with this company they will not speak to me now repeating that they have no records of now even speaking to my wife this is getting out of control I have paid over XXXX $ on an original loan or XXXX $ and still telling me I owe XXXX $ after paying for 15 years on this loan somthing has to be done about this company and there practices please help me and my family from being abused by this company mohela

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I am writing in response to the recent communication regarding my complaint against XXXXHonda Financial Services . 

I would like to clarify that XXXXHonda Finance has not conducted accurate or thorough research into my request. The company has provided misinformation regarding the purchase of my leased vehicle under my trust. 

My trust qualifies for tax exemption pursuant to 26 U.S. Code 501, which outlines the Exemption from Tax on Corporations and Certain Trusts, among other entities. Additional support for this is available through 26 CFR 1.501 ( a ). These IRS regulations clearly state that certain trusts are exempt from federal taxation. 

Furthermore, the XXXX XXXX XXXX XXXX XXXXXXXX also outlines on its official website ( see attached page, item XXXX XXXX XXXX  that trusts are eligible for tax exemption under specific conditions. This supports my request to complete the purchase under the trust name without incurring unnecessary state taxes. 

Unfortunately, my experience with HondaXXXX XXXX XXXX has shown a lack of understanding of these applicable regulations. On a recent call with a representative, it was clear that the staff had neither researched the relevant federal nor state tax rules related to trust ownership. As a result, I am increasingly concerned that this matter may involve discriminatory practices or negligence in handling customer transactions equitably. 

I respectfully request that this issue be reviewed thoroughly. I would also appreciate any support from the CFPB to ensure my rights as a consumer are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account is either inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request an investigation into this matter. 
Please investigate and remove or correct this item if it can not be verified. Enclosed are copies of relevant documents supporting my position.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Inaccurate/incomplete information is showing on Experian 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : 1. Ramirez vXXXX XXXX XXXX, 141 S. Ct. 2190 ( 2021 ) The XXXX Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
2. Johnson v. Wells Fargo Bank, N.A., 2020 U.S. Dist. LEXIS 12345 ( D. Md. 2020 ) Wells Fargo was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages.

3. Soutter v. Equifax Info. Servs., LLC , 498 Fed . Appx. 260 ( 4th Cir. 2012 ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages.

4. Dixon-Rollins v. XXXX XXXX. XXXX, XXXX , 753 F. Supp. 2d 452 ( E.D. Pa. 2010 ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences.

Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of this account ( s ) : XXXX XXXX XXXXXXXX XXXX ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently submitted a dispute to Equifax regarding multiple fraudulent accounts and unauthorized inquiries that appeared on my credit report due to identity theft. I provided an FTC Identity Theft Report ( Case # XXXX ), a sworn affidavit, and all necessary documentation. 

Despite this, Equifax has refused to remove several fraudulent accounts and marked them as verified, even though I never opened them, never benefited from them, and have declared them as identity theft under penalty of perjury. 

The following fraudulent accounts remain on my Equifax credit report : XXXX XXXX XXXX multiple accounts ( opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX  ( opened : XX/XX/XXXX ) XXXX XXXX ( opened : XX/XX/XXXX ) These accounts were not authorized by me and are damaging my credit history. Equifax stated they " verified '' them, but I never gave authorization and provided all legally required identity theft documentation. According to the Fair Credit Reporting Act ( FCRA 605B ), these accounts should have been blocked and removed. 

Additionally, the following unauthorized hard inquiries remain on my report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are a result of identity theft. Equifax claims they are factual, but per FCRA 604, a credit bureau is not allowed to include inquiries obtained without a consumer 's authorization. I never gave permission for these inquiries and they are directly tied to the fraudulent accounts above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
My mortgage was transferred from XXXX XXXX to Mr. Cooper on XX/XX/25, but the transition wasnt fully completed until XXXX. For the past XXXX years with XXXX XXXX, I was on a biweekly payment schedule. When the transfer occurred, I tried to re-establish the same schedule through Mr. Coopers app but was unable to do so. 

I called on XX/XX/25 and was told that Mr. Cooper requires borrowers to be XXXX full month ahead on payments to enroll in biweekly payments. I explained that it was unfair to enforce this requirement since I had no choice in the transfer. I agreed to make my monthly payment on XX/XX/25 and then scheduled partial payments for XX/XX/25 and XX/XX/25, with the understanding that biweekly payments could be set up on XX/XX/25. 

However, on XX/XX/25 ( actual withdrawal was XX/XX/25 ), Mr. Cooper took a full monthly payment from my account instead of the agreed partial amount. I called again on XX/XX/25 and was told I still cant enroll in biweekly payments until I make another partial payment on XX/XX/25. 

This has been incredibly frustrating. All the transfer notices stated that nothing would change with my loan, yet clearly, things have. Im not asking for lower paymentsjust to continue with the same payment structure Ive used for nearly a decade. I feel like Im getting the same canned response every time I call, and no one is willing to help. 

Mr. Cooper should honor the previous payment arrangement, especially since the transfer was not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Every month on the XXXX and XXXX in today my cash off my XXXX  keep getting stolen from this cash checking place. I'm calling the police tomorrow

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-07 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 


XXXX. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-04-07 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Failure to Provide Documentation To Whom It May Concern, I am writing to formally dispute the alleged debt associated with account [ # XXXX ] that you claim belongs to me. I previously requested validation of this debt, including documentation with my original signature proving that I opened this account. However, to date, I have not received any such validation or documentation from your company. Additionally, I have noticed that the name on the account does not match my legal name or the correct spelling of my name. This raises further concerns regarding the accuracy and legitimacy of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request proper validation of this debt. Since you have failed to provide the required documentation, I request that you cease all collection efforts and remove any related negative reporting from my credit report immediately. If you continue to attempt to collect this debt without proper validation, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. Please provide written confirmation of your decision regarding this matter. I expect a response within XXXX days from the date of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation