vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: CA

Complaint narrative:
I'm writing to follow up on my previous letter regarding the removal of fraudulent items from my credit report. I've noticed that while some fraudulent items have been removed, others still remain. I'm requesting that all three credit bureaus comply with the law and remove these remaining fraudulent items. Please find below a list of the items I would like to be removed. Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
I have multiple complaints about MOHELA, as so do many other students. I have taken XXXX loans with them and continued to take XXXX  plus loans during my XXXX  program. 
I XXXX  XXXX XXXX in XX/XX/XXXX and have this info on my loan application as well as in my studentaid profile. MOHELA also would have been notified by my institution upon XXXX  and the fact that I was no longer enrolled. On XX/XX/XXXX, MOHELA sent me an e-mail notifying me of a missed payment and that my account is under delinquency. This information was so misleading because as you can see in the screenshot from studentaid web, it states that upon XXXX  a six-month deferment will be AUTOMATICALLY applied. Not only was it not automatically applied, I reached out to them via phone regarding the issue and was given a wait time of 3 hours. I stayed on the phone and when I finally heard it pick up, the other person hung up. I then resorted to e-mail and have provided the screenshot but it never addressed my concern and told me furthermore that my account was way past due. I was extremely concerned that if this issue will not be resolved, it will reflect on my credit score. I then attempted to call them multiple times throughout the week. Every time I get ahold of someone after the long wait times, I get redirected to another department specialist. I was finally able to speak to a specialist that acknowledged my concern and updated my profile to have the correct due date but she said it will take 5-10 days. However, when it finally updated it only applied to some loans and not all. I also still kept getting past due e-mails even after my request to have it removed. I had tried reaching out again for about a week and finally got someone to fix it. This whole process took about a month! 
After this issue was resolved, I applied to consolidate my loans on XX/XX/XXXX. While my consolidation was being processed, I kept getting delinquency e-mails even though nothing appears when I log into the website. So much emotional distress and time has been consumed due to this incident. The lack of professionalism as well as organization along with the misinformation is not acceptable for a company this large that deals with peoples finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: AZ

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, due to identity theft that has resulted in a fraudulent collection account from Collection Bureau of America , with the original creditor listed as XXXX XXXX XXXX XXXX 

I have no knowledge of or relationship with XXXX XXXX XXXX, and this account is the result of identity theft. I have already provided an Identity Theft Report and supporting documentation to the credit bureaus, requesting that this item be blocked from my credit file, as required by law. 

Despite my lawful request and submission of the necessary documents, the account remains on my report. I am asking the CFPB to intervene and ensure the credit bureaus and Collection Bureau of America fully comply with their obligations under 15 U.S.C. 1681c-2, which requires permanent blocking of fraudulent accounts related to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am tired of these uneducated companies controlling my credit reports they are not addressing me in the manner that they should I am a XXXX XXXX who paid bills all of my life and is being disrespected by these inaccurate credit companies they need to be closed down. TransUnion do not even know who I am I had an income of XXXX a yr and now retired with XXXX a yr. Why is my credit scre looking like a teen who doesnt have any responsibility. I asked to be corrected but the continue to ask for my drivers license over and over again I am a victim of identity theft these companies has Police reports and Drivers License what is going on they need to fire the uneducated employees and get some train employees to work for these credit companies they are a big embarrassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
I am tired of these uneducated companies controlling my credit reports they are not addressing me in the manner that they should I am a XXXX XXXX who paid bills all of my life and is being disrespected by these inaccurate credit companies they need to be closed down. TransUnion do not even know who I am I had an income of XXXX a yr and now retired with XXXX a yr. Why is my credit scre looking like a teen who doesnt have any responsibility. I asked to be corrected but the continue to ask for my drivers license over and over again I am a victim of identity theft these companies has Police reports and Drivers License what is going on they need to fire the uneducated employees and get some train employees to work for these credit companies they are a big embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MI

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 2025-05-03 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the validity of a debt reported on my credit report. I recently obtained a copy of my credit file and noticed that your company has reported a collection account under the above-referenced number. I am requesting that you provide proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following : 1. The name and address of the original creditor.

2. The date of the alleged debt and when it was charged off or placed for collection.

3. A copy of the original signed agreement or other documentation showing that I agreed to assume this debt.

4. The amount of the alleged debt, including a breakdown of the principal, interest, fees, and any other charges.

5. Documentation that you are legally authorized to collect debts in my state.

6. Proof that this debt is within the statute of limitations for collection.

Until you provide the requested validation, I am requesting that you cease all collection activities, including reporting this information to the credit bureaus. If you continue to report this debt to any credit reporting agency without providing proper validation, you will be in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Please note that any attempt to collect a disputed debt without validating it is unlawful. I also request that you notify any credit bureaus to which you have reported this debt that the debt is currently being disputed. 

Thank you for your cooperation. I expect your response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Saturn Systems, Inc
State: NV

Complaint narrative:
Saturn Systems , Inc refuses to acknowledge my initial and second complaints about sending proper notification about debt. I have received nothing from this agency before this was placed on my credit. This has caused immense damage to my credit. I never once admitted to owning the debt. I tried to rent a home and was denied when the rental agency notified me of the debt. I called Saturn Systems , Inc to ask if they delete items because my family was without a place to live and we did not have the time to go through the dispute process. That was not an admittance of ownership. Saturn Systems , Inc statements are false and damaging. 

I am escalating this complaint regarding Saturn Systems, Inc/Account # XXXX due to egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and refusal to comply with federal consumer protection laws. Violation Summary : Failure to Provide Mandatory Validation Notice ( 15 U.S.C. 1692g ) : Per the FDCPA, the collector is legally obligated to send a written debt validation notice within five ( 5 ) days of initial communication. I have never received such notice, nor has the collector produced documentation ( e.g., certified mail receipt, electronic delivery confirmation ) proving compliance with this requirement. Willful Non-Compliance : Upon formally disputing the debt and requesting validation under 15 U.S.C. 1692g ( b ), the collector explicitly stated they are " not obligated to provide evidence '' of validation. This assertion is false and constitutes a direct violation of federal law. Harm to Consumer Rights : By furnishing unvalidated debt to credit bureaus, the collector has unlawfully impaired my creditworthiness and denied me due process to investigate or dispute this alleged debt. Demands : Immediate Deletion of this account from all credit bureaus ( XXXX XXXX XXXX ). Cease All Collection Activity, including credit reporting, until full compliance with FDCPA is achieved. Documentation proving strict adherence to 15 U.S.C. 1692g ( a ), including a copy of the initial validation notice and proof of delivery ( e.g., USPS tracking, signed receipt ) within 5 calendar days. Legal Action Notice : If these demands are not met within 15 days, I will pursue all available remedies, including : Filing a civil lawsuit under FDCPA ( 15 U.S.C. 1692k ) for statutory damages of {$1000.00} per violation, actual damages, and attorney fees. Submitting complaints to the FTC, State Attorney General, and Consumer Financial Protection Bureau ( CFPB ) for willful non-compliance. Petitioning credit bureaus for removal under FCRA 611 due to unverified information. I have attached previous correspondence demonstrating their refusal to validate. This agency 's failure to validate the debt voids any legal authority to collect or report it. I demand prompt resolution to rectify this violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 explanation
Consumer complaint received 2025-05-03 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am unable to obtain a credit score from Equifax despite having active credit accounts and a valid credit report. I have verified that my report contains sufficient information to generate a score and have contacted Equifax, but the issue has not been resolved. 
I am requesting that Equifax investigate this issue, correct any data/reporting errors preventing score generation, and provide a clear explanation for the lack of a score. 
This issue is affecting my ability to access credit and manage my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX through XX/XX/XXXX. {$3100.00} balance. No have asked numerous times to remove the late payment history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with explanation