vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-05-22 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 want my credit report to only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. Hope you can address this soon to prevent further damage, please.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Hello, I am contacting you about my Mortgage Loan Modification Application and how they Mortgage is still high after waiting like 6 months and I have to return this paperwork by the middle of XXXX so can you contact me? Because the reason why I redid the Loan Modification again because it was high ( {$1300.00} ) also, they reduced the loan percentage, but I still have to pay $ XXXX something a month which is too high. Ever since I was Illegally transferred to Mr. Cooper by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX I have had constant problems with this company. Now they are double billing me with my escrow which is making my mortgage payments too high and this company extremely unfair shady when it comes to calculating the cost for the Mortgage. I need your help with their organization, and I know they were investigated for their illegal Foreclosures and high Interest on the Home Loan this you help you a little.They even have Payments from unknown funds paid towards my loan that myself and even the VA doesn't know about. They received {$74000.00} on XX/XX/XXXX yet they still say I owe {$140000.00}, and I am not signing the new Home Loan Modification because I do not trust them or their calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Date : [ Insert Todays Date ] [ Transunion, Experian and Equifax ] Subject : Formal Dispute of All Inaccurate or Unverifiable Accounts Under FCRA 609, 611, 623 and FDCPA 809 To Whom It May Concern, This letter is a formal notice to dispute * * all inaccurate, outdated, unverifiable, or misreported information * * listed on my credit report currently on file with your bureau. 

Under the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *, I am exercising my legal right to request verification and validation of all adverse accounts currently impacting my credit profile, including but not limited to : - * * Collections * * - * * Charge-offs * * - * * Late Payments * * - * * Hard Inquiries * * I respectfully request that you * * investigate and delete * * any item that can not be fully verified in accordance with the following legal requirements : # # # FCRA 609 ( 15 U.S.C. 1681g ) - You are required to provide * * the source of all information * *, including original documentation such as * * a signed contract * *, if you claim I owe any debt.

# # # FCRA 611 ( 15 U.S.C. 1681i ) - You must * * conduct a reasonable reinvestigation * * and delete any information that is * * inaccurate, incomplete, or can not be verified within 30 days * *.

# # # FCRA 623 ( 15 U.S.C. 1681s-2 ) - Any data furnishers who report unverifiable or inaccurate information are in * * violation of the law * * and must either correct or remove the account.

# # # FDCPA 809 ( 15 U.S.C. 1692g ) - If any debts have been sold or assigned to third parties, you must provide proof of the * * chain of title * * and * * the original signed agreement * *. Without these, the account must be removed immediately.

In addition, any * * unauthorized or outdated inquiries * * made without my express written consent must be deleted as per * * FCRA 604 * *.

-- - # # # My Demands Are as Follows : 1. Delete any account that can not be validated with original documentation ( not screensho
ts or system notes ).

2. Remove all inaccurate or unverifiable late payments, charge-offs, and collection entries.

3. Eliminate any unauthorized inquiries that do not have written consent on record.

4. Confirm deletion of all non-compliant accounts in writing within 30 days.

Please also mail me an updated copy of my credit report reflecting these changes. 

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 2025-05-22 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Date : [ Insert Todays Date ] [ Transunion, Experian and Equifax ] Subject : Formal Dispute of All Inaccurate or Unverifiable Accounts Under FCRA 609, 611, 623 and FDCPA 809 To Whom It May Concern, This letter is a formal notice to dispute * * all inaccurate, outdated, unverifiable, or misreported information * * listed on my credit report currently on file with your bureau. 

Under the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *, I am exercising my legal right to request verification and validation of all adverse accounts currently impacting my credit profile, including but not limited to : - * * Collections * * - * * Charge-offs * * - * * Late Payments * * - * * Hard Inquiries * * I respectfully request that you * * investigate and delete * * any item that can not be fully verified in accordance with the following legal requirements : # # # FCRA 609 ( 15 U.S.C. 1681g ) - You are required to provide * * the source of all information * *, including original documentation such as * * a signed contract * *, if you claim I owe any debt.

# # # FCRA 611 ( 15 U.S.C. 1681i ) - You must * * conduct a reasonable reinvestigation * * and delete any information that is * * inaccurate, incomplete, or can not be verified within 30 days * *.

# # # FCRA 623 ( 15 U.S.C. 1681s-2 ) - Any data furnishers who report unverifiable or inaccurate information are in * * violation of the law * * and must either correct or remove the account.

# # # FDCPA 809 ( 15 U.S.C. 1692g ) - If any debts have been sold or assigned to third parties, you must provide proof of the * * chain of title * * and * * the original signed agreement * *. Without these, the account must be removed immediately.

In addition, any * * unauthorized or outdated inquiries * * made without my express written consent must be deleted as per * * FCRA 604 * *.

-- - # # # My Demands Are as Follows : 1. Delete any account that can not be validated with original documentation ( not screensho
ts or system notes ).

2. Remove all inaccurate or unverifiable late payments, charge-offs, and collection entries.

3. Eliminate any unauthorized inquiries that do not have written consent on record.

4. Confirm deletion of all non-compliant accounts in writing within 30 days.

Please also mail me an updated copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
I submitted a formal dispute to all 3 credit bureaus ( TransUnion, XXXX and Experian ) regarding inaccurate and outdated information on my credit report ( specifically concerning XXXX XXXX XXXXXXXX student loan accounts, and XXXX XXXX ). Here is the account information for each item : XXXX Creditor Name XXXX XXXX  Account Type : Installment Student Loan Account Number ( partial ) : XXXX Status : Unpaid Balance Charged Off Balance : {$9700.00} Status as of : XX/XX/XXXX Dispute Submitted : XX/XX/XXXX XXXX XXXX Creditor Name : XXXX XXXX Account Type : Installment Student Loan Account Number ( partial ) : XXXX Status : Placed for Collection Balance : {$28000.00} Status as of : XX/XX/XXXX Dispute Submitted : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( debt buyer for XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX Status : Paid Charge-Off or Collection Balance : {$0.00} Status as of : XX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), the credit bureaus have 30 days to verify, update, or remove the disputed items. As of XX/XX/XXXX, I have received no verified results, no account updates on any of my credit reports, and no documentation confirming completion of the investigation. 

TransUnion- TransUnion confirmed receipt of my dispute regarding XXXX XXXX XXXX, and XXXX XXXX on XX/XX/XXXX. XXXX confirmed receipt on XX/XX/XXXX. I called on XX/XX/XXXX and was told that a letter was mailed on XX/XX/XXXX, but no activity is reflected in my file and no communication has been received. If the reinvestigation was completed on XX/XX/XXXX, they are required by law to notify me within 5 business days. As of today, XX/XX/XXXX, they have failed to meet that obligation and continue to report the inaccurate information. 

Experian- I sent in a complaint regarding XXXX XXXX to Experian. Experian acknowledged receipt of the dispute on XX/XX/XXXX and sent notification ( via email ) the dispute had been completed on XX/XX/XXXX. However I did not receive the investigation results or an update on the accounts in question. 

I am requesting that the CFPB take action to ensure TransUnion and Experian deletes the disputed accounts from my file, as required by law, due to failure to verify within the FCRA time limits.

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 2025-05-22 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: MT

Complaint narrative:
On XX/XX/XXXX, I submitted my Income-Driven Repayment ( IDR ) plan recertification for my Pay As You Earn ( PAYE ) plan, due by XX/XX/XXXX, for a XX/XX/XXXX, recertification date, as per Federal Student Aid ( FSA ) guidance ( XXXX XXXX XXXX XXXX. The guidance states that if recertification is not processed, payments should remain unchanged, and the recertification date should default to XX/XX/XXXX. However, MOHELA failed to process my recertification, incorrectly recalculated my payments, and increased my monthly payments in violation of federal guidelines, causing significant financial strain. 

Since XX/XX/XXXX, I contacted MOHELA three times to inquire why my payments changed and how to resolve the issue. Each time, I was incorrectly told the change was due to an injunction regarding the SAVE program, despite my enrollment in PAYE, and that my only option was forbearance. This misinformation has delayed my progress toward Public Service Loan Forgiveness ( PSLF ) and prevented my spouse from pursuing a critical business opportunity due to financial uncertainty. 

On XX/XX/XXXX, at XXXXXXXX XXXX, I called MOHELA to inquire about my XXXXDR plan processing. I was dismissively told to just look online and that no timeline could be provided because the government does that. After finding the federal guidance, I called again, spending over five hours on the phone, required to verbally confirm my presence every two minutes after the first three hours to avoid disconnection. I received no resolution, only a promise of a callback within two business days. 

On XX/XX/XXXX, I received an email from a MOHELA Ombudsman Team member stating I would be contacted within 23 business days. On XX/XX/XXXX, after requesting an ombudsman and providing the team members name, I spoke with them via a supervisor callback line. They agreed to review my information and promised to call back on XX/XX/XXXX, between XXXX XXXX  or later that evening, but no call was received on XX/XX/XXXX or XX/XX/XXXX. On XX/XX/XXXX, I attempted to reach the ombudsman using the provided number but was directed to a corporate directory that transferred me to the main service line. After verifying my information, I was transferred to a supervisor line offering only a callback in two days or disconnection. When I requested the ombudsman by name, I was told no such information was available. I also attempted to reach a corporate secretary but was placed on hold for over an hour without resolution. 

MOHELAs failure to process my recertification, provision of inaccurate information, unfulfilled callback promises, and customer service systemdesigned with limited hours, lengthy wait times, and mandatory hold interactionshave made it nearly impossible to resolve this issue. These errors have caused financial harm, lost PSLF progress, and prevented my family from pursuing a significant business opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
on approximately XX/XX/XXXX i attempted to make a purchase on XXXX with an amex business gift card. the payment declined. I checked the gift card balance on Amex 's website and confirmed that the card was valid and had the required available balance ( it did ). I attempted the transaction again on XX/XX/XXXX and the purchase was successful. however i received an email stating that my payment could not be processed. I attempted the purchase again and the payment was declined. Also on XX/XX/XXXX, i reached out to XXXX XXXX 's customer service who looked into the matter, attempted the payment on their end again, and it was declined again. i confirmed the correct security code and expiration date, tried again, and the card was still declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Originally, I called XXXX XXXX on XX/XX/year>, after I have learned that my old XXXX XXXX  XXXX Card was cancelled that I used during the Covid Pandemic while I was collecting Unemployment benefits from XXXX. 
During the phone call I was receiving automated information and after I provided all necessary information, I was promised that I would receive a debit card in two weeks. After waiting more than 3-5 weeks I was worried a little bit but knowing how bureaucracy works I waited one more week or so. While I was waiting for the debit card I checked my email notification from US Postal Service from XX/XX/year>, every day. I have discovered that US Postal Service never received any type of documentation including the Debit Card from XXXX XXXX under my name which means the card was stolen right after it was issued and never made it to the Post Office! 

I called XXXX XXXX  again on XX/XX/year> to find out why I am not getting my debit card. XXXX - their agent- explained that the card was already used in XXXX, XXXX XXXX, Ca and 99 % of the fund was depleted- {$1100.00} was taken by an unknown person. He took my information and promised to send a form so I can file a dispute. 

After receiving the form I provided all information about the case and sent it back by certified mail. On XX/XX/year> I received XXXX XXXX XXXX decision " Based on the result of this investigation, your claim has been denied due to the timing and card-present indicators of other recent transactions. You have the right to request copies of the documents that we relied on in making our determination '' On XX/XX/year>, I requested a copy of their decision ( documentation ), regarding my case through certified mail but never received a response!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated 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 non-monetary relief
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX ran an inquiry without my consent in XX/XX/year>, and I tried disputing the inquiry with the credit bureaus to no avail.

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 2025-05-22 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation