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

Complaint narrative:
My student loan servicer is Mohela. I have been in the XXXX program forbearance. Prior to that was the payment pause. It is supposed to be XXXX  % interest on these loans. I have not been actively making payments due to the payment pause and save forbearance period. My interest balance has continued to accrue. My principal balance is accurate at {$110000.00}. The interest is not correct and the total amount has continued to accrue. These are the records I have of the exact interest that has accrued. The current interest per XXXX website is {$6100.00}. As of XX/XX/XXXX, the interest was at XXXX. On XX/XX/XXXX the interest was at XXXX. I have records of these numbers. I do not have records of interest prior to this date at this time but worry that it was less prior to XX/XX/XXXX and Mohela is not being transparent with the hidden interest that has been accruing. 

Mohela said that student aid is aware of this issue but I find this to be unacceptable. They state there is no timeline on when it will be fixed. They are not being transparent with the accrual of interest that is occurring and I would like to know my true balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE ACCOUNT DO NOT BELONG TO ME AND ARE FRAUDLANT PLEASE REMOVED AS SOON AS POSSIBLE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against Aidvantage XXXX XXXX XXXX XXXX XXXX, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the XXXX order to abolish the XXXX Department of Education. 

Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Payment Resolution Services
State: IN

Complaint narrative:
In calendar year XXXX, my wife and I were covered for medical insurance by XXXX. On XX/XX/XXXX my wife had procedures done that had to be covered out of pocket, then reimbursed by XXXX. This took over 4 months for XXXX to process. A similar procedure was done on XX/XX/XXXX. Again to be paid out of pocket and reimbursed by XXXX. XXXX continues to delay as much as possible and still as of XX/XX/XXXX has failed to process this claim correctly. 

The net balance if XXXX were to process everything correctly would be for them to owe us around {$3000.00}. Instead, they have sent us to collection for {$6600.00}. 

So we have paid the procedure out of pocket, XXXX has failed to reimburse us correctly, and now they are sending us to collections for money they owe us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my credit report, I found multiple accounts that I did not authorize or open. These unauthorized accounts have been affecting my efforts to secure a home for my family. I kindly ask for the immediate removal of these fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
In XX/XX/year>, I sent Experian this account ; they said it was verified as mine. I asked them for receipts because I know I never opened an account with Resurgent XXXX XXXX. they never got back with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: EQUIFAX, INC.
State: RI

Complaint narrative:
b'This letter serves as a final follow-up regarding my previous dispute concerning an inaccurate negative item currently being reported on my credit file:\nXXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Equifax XXXX  XXXX XXXX XXXX GA XXXX Subject : Formal Request for Verification or Deletion of Account per FCRA Requirements To Whom It May Concern : This letter serves as a follow-up to a previous dispute I submitted regarding the account listed under [ XXXX XXXX * * * * ] appearing on my credit report. Your response indicated that the account was verified. However, you failed to provide any documentation or evidence supporting this verification. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), you are legally required to conduct a reasonable investigation and to provide the consumer with all relevant documentation used to verify disputed information. 
The letter you previously sent in response appears to be frivolous and legally insufficient to satisfy the requirements under the FCRA. Therefore, I am formally demanding the following : XXXX. Send me copies of all documentation you used to verify this account, including signed contracts, account statements, or direct correspondence from the original creditor. 
XXXX. If you are unable to provide this evidence within XXXX  days from the date of receipt of this letter, you are required by law to delete this account from my credit report immediately. 
This is a formal request made under my rights as a consumer. Failure to comply will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. 
Please confirm receipt of this letter in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to dispute a charge-off account that appears on my credit report from XXXX XXXX  XXXX account number XXXX I believe this account is either inaccurate, incomplete, or should no longer be reported. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this account and provide proper documentation to validate the debt, including the original contract, full payment history, and explanation of how the charge-off was calculated.

If this information can not be verified, I am requesting the charge-off be removed from my credit report. Additionally, please ensure that any information shared with the credit bureaus is accurate and up to date.

I expect a response in writing within the 30-day investigation period as required by law. Thank you for your attention to this matter.

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

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: SC

Complaint narrative:
I hereby lodge an official complaint against the School District of ( XXXXXXXX XXXX ) on behalf of my child who attended. ( XXXXXXXX XXXX ) for what I believe to be the maintenance of inappropriate records/content or a violation of the Family Rights and Educational Privacy Act. 

The nature of the complaint is as checked : Challenge to Record or Content inaccurate misleading incomplete inappropriate Person responsible for Entry or person currently maintaining record : Date challenged content discovered : XX/XX/year> Alleged Violations of Act or Regulations : ( select term ( s ) that fit ) failure to provide notification of all rights ( totally or in needed language ) failure to publish local access and hearing procedures inappropriate person ( s ) grant denied access failure to provide interpretation assistance as requested failure to provide requested hearing failure to provide uninvolved hearing officer failure of hearing officer to provide written opinion within reasonable time failure to amend records at request inappropriate sharing of confidential information other Date of Violation : ( Date ) Date Violation Discovered if different from above : XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I ask to send payment history of me every being late

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 2025-05-05 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: WV

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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

Complaint narrative:
Hello I Am Contacting You Regarding A Collection Account On My Consumer Report From Experian That Is Not Mine I Did Not Authorize Use Of My Personal Information To This Company Nor Did I Sign Any Contract With XXXX XXXX XXXX Account # XXXX I Would Kindly Ask That They Remove This From My Consumer Report As Soon As Possible Do To This Being Erroneous And Incorrect

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 2025-05-05 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: TX

Complaint narrative:
I never agreed to this debt. It must be removed 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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED AN ACCOUNT THATS WAS REPORTING INACCURATELY. I HAD LATE PAYMENTS ON AN ACCOUNT THAT I WAS IN FACT PAID ON TIME. IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX, ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHITCH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIOS. 15 USC 1681 SECTION 607b ACCURACY OF REPORT. WHEN EVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. NOW THAT MY RIGHTS ARE CONTINUALLY BEING VIOLATED IM ASKING FOR A FULL REINVESTIGATION PROVIDING ME WITH THE COMPLETE STEP BY STEP METHOD OF VERIFICATION WHICH IS REQUIRED BY LAW, UPON MY REQUEST.

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 2025-05-05 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: TN

Complaint narrative:
Equifax is currently reporting a XXXX  XXXX charge-off ( Account XXXX. XXXX ) with a balance of {$590.00} and a separate entry from XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX ) for {$770.00}. There is no clear validation or explanation as to whether these entries are properly verified, and the inclusion of XXXX derogatory accounts without accessible documentation strongly suggests either unverified reporting or exposure to a data breach. This is especially concerning given that 15 USC 1681e ( b ) mandates accurate, non-misleading representation of account histories. If these accounts were affected by system errors, misreporting by the furnishers, or data security lapses, they should not continue to harm my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: LEXISNEXIS
State: OH

Complaint narrative:
They have mixed my profile with the identity theft people. And its all wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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