vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Ava Finance, Inc
State: MD

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : 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 2025-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Subject : Unauthorized Access to Private Student Loan Data Request for Loan Forgiveness To Whom It May Concern, I am writing to formally lodge a complaint regarding a serious breach of my private student loan data. I have reason to believe that XXXX XXXX improperly accessed my personal student loan information, violating my privacy and potentially putting my financial security at risk. 

This unauthorized access constitutes a violation of my rights under federal privacy laws, including but not limited to the Family Educational Rights and Privacy Act ( FERPA ) and any applicable consumer protection statutes governing the confidentiality of student loan data. Given the severity of this breach, I am formally requesting an immediate investigation into this matter. 

Additionally, as my personal student loan information has been unlawfully accessed and misused, I am requesting that my student loans be fully forgiven as an appropriate remedy for this violation. Unauthorized access to my private financial data has caused significant distress, and I believe that full discharge of my student loan obligations is a necessary corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-13 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-13 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-13 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: NY

Complaint narrative:
Please see the attached documents for an explanation of my compliant with EQUIFAX, Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-03-13 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Demand for Reinvestigation Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) To Whom It May Concern, This letter serves as a formal demand for reinvestigation of the inaccuracies appearing on my credit report, as permitted under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). I previously disputed the following item ( s ), yet Equifax failed to conduct a reasonable reinvestigation. Therefore, I am invoking my right under federal law to have these disputes properly addressed. 

The following accounts and/or inaccuracies require immediate reinvestigation : XXXX XXXX XXXX XXXXXXXX inaccuracies, name dates, balances etc. 
XXXX XXXX XXXX XXXX XXXX inaccuracies name dates balances etc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting Pursuant to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), a credit reporting agency must do more than merely parrot the furnishers response. It has a duty to conduct an independent and reasonable reinvestigation. Additionally, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) established that failure to perform a proper reinvestigation under the FCRA constitutes a willful violation. Furthermore, XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) determined that credit bureaus must verify disputed data with reasonable diligence.

Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, if Equifax fails to conduct a lawful reinvestigation, you may be liable for damages, including : Actual damages, Statutory damages up to {$1000.00} per violation, Punitive damages, and Attorneys fees and court costs. 
If I do not receive written confirmation that Equifax has conducted a lawful and thorough reinvestigation within 30 days, I will have no choice but to escalate this matter, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General, as well as pursuing legal action. 

I expect Equifax to comply with its statutory obligations and provide me with an updated copy of my credit report reflecting the corrections. Please send all correspondence regarding this dispute to the address listed above. 

Sincerely, [ Your Name ] [ Your Signature ]

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 2025-03-13 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Demand for Reinvestigation Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) To Whom It May Concern, This letter serves as a formal demand for reinvestigation of the inaccuracies appearing on my credit report, as permitted under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). I previously disputed the following item ( s ), yet Equifax failed to conduct a reasonable reinvestigation. Therefore, I am invoking my right under federal law to have these disputes properly addressed. 

The following accounts and/or inaccuracies require immediate reinvestigation : XXXX XXXX XXXX XXXXXXXX inaccuracies, name dates, balances etc. 
XXXX XXXX XXXX XXXX XXXX inaccuracies name dates balances etc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting Pursuant to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), a credit reporting agency must do more than merely parrot the furnishers response. It has a duty to conduct an independent and reasonable reinvestigation. Additionally, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) established that failure to perform a proper reinvestigation under the FCRA constitutes a willful violation. Furthermore, XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) determined that credit bureaus must verify disputed data with reasonable diligence.

Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, if Equifax fails to conduct a lawful reinvestigation, you may be liable for damages, including : Actual damages, Statutory damages up to {$1000.00} per violation, Punitive damages, and Attorneys fees and court costs. 
If I do not receive written confirmation that Equifax has conducted a lawful and thorough reinvestigation within 30 days, I will have no choice but to escalate this matter, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General, as well as pursuing legal action. 

I expect Equifax to comply with its statutory obligations and provide me with an updated copy of my credit report reflecting the corrections. Please send all correspondence regarding this dispute to the address listed above. 

Sincerely, [ Your Name ] [ Your Signature ]

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: RI

Complaint narrative:
Hello, Please be advised the information provided by MOHELA is inaccurate. I've spoken with a minimum of 4 supervisors, all of which have confirmed my account was placed in forbearance retro to XX/XX/year> and no payments would be deducted from my account. They recommended I take auto pay off and request a stop payment due to MOHELA accessing my account without authorization since my account was supposed to be in forbearance. Additionally, I was advised no payments would be necessary and I would be refunded my payments erroneously taken out until the legal issues are remedied. 
Good Evening, I have attempted to get in contact with a physical person for a week and a half, which includes me emailing and calling. I have left my number for a call back from MOHELA and have stayed on hold for XXXX hours only to not successfully get in contact with any representative. Your recorded system disconnects call and provides no direct access to a live representative. At this point, MOHELA has failed to provide any type of customer service and has failed to successfully provide its due diligence and responsibility to provide service to its clients. MOHELA has been negligent. Your pre-recorded messages indicate that NO ACTION is needed and monthly dues will not be taken from accounts for IDR plans, including the transition to a forbearance. I have been in a processing administrative forbearance once again due to MOHELA 's negligence to provide any sort of responsive service to its clients. There is no ability to get in contact with MOHELA for problems. I have been advised by multiple MOHELA representatives in the past that my account will remain in forbearance and no monthly fee will be collected. Your recordings indicate this as well. However, MOHELA fraudulently took a monthly amount from my bank account without my authorization today. I've tried to get in contact with MOHELA for a week about this charge, due to the account being in forbearance which legally means you can not deduct anything without my authorization. I want MOHELA to immediately remedy this issue. I will also be lodging a complaint for MOHELA 's negligence. The wait time is now 5+ hours each day with no option for a call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
On XX/XX/2025 I was served by the XXXX XXXX XXXX XXXX office regarding legal action BC Services was taking against me for alleged medical debts owed to XXXX XXXX. On the same day, I sent and email to the email provide in the complaint, XXXX, but my email was blocked by the recipient. I then sent the same email requesting debt verification to XXXX, only to have my email blocked. I then, at XXXXXXXX XXXX on the same day, called BC Services and spoke with XXXX XXXX who claimed to be the paralegal for XXXX XXXX XXXX XXXX who is the attorney at BC Services handling the matter. XXXX XXXX instructed me to email her because she worked closely with XXXX XXXX and he would just send it to her anyway. Doing as instructed, I emailed XXXX XXXX at the email address she had provided as XXXX. Once my BC Service took the extraordinary and improper steps of blocking email communications in a deliberate effort to avoid fulfilling its legal obligations. 

As a result of their actions, I was forced to file an answer to their complaint with the court outlining that BC Services has not provided verification of the alleged debt as required by law. They have failed to provide evidence of its legal right to collect the alleged debt in accordance with state and federal laws. The filing fee in XXXX XXXX XXXX is {$110.00} per filing. Should they continue their legal pursuits it will cost me thousands of dollars to defend myself from their actions. 

On XX/XX/2025 I received a XXXX XXXX of what BC Services filed with the court. Upon review of the documents filed, BC Services filed as an exhibit a document from XXXX XXXX containing XXXX protected information. They document filed contains medications provided as well as XXXX XXXX XXXX Codes. The document says explicitly " This is not a bill ''. This further demonstrates BC Service continued disregard for the laws which govern debt collectors and health care providers.

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 2025-03-13 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: NV

Complaint narrative:
I am writing to formally dispute multiple fraudulent accounts that have been reported under my name and appearing on my credit report. I have never opened nor authorized the following accounts, and I am demanding immediate removal and correction of these inaccuracies : Account Number : 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 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  These accounts are the result of identity theft and unauthorized activity. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and have it promptly removed. I have enclosed the following supporting documents for your reference : A copy of my government-issued ID. 
A copy of my utility bill for address verification. 
A copy of the police report/identity theft affidavit ( if applicable ).

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 2025-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The last date of activity, date to be removed, the status and the first date of delinquency are inaccurately being reported providing different information across XXXX XXXX XXXX  XXXX. This account was opened 9 yrs ago and the information has constantly changed and been updated inaccurately when it has written off by Capital One and should not be on my account anymore.

Company response to consumer: Closed with explanation