vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: PA

Complaint narrative:
I rested making payments of {$550.00} to Mohela on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX while Mohela was determining whether I had fulfilled my Public Loan Service Forgiveness commitment. 

On XX/XX/XXXX, I received a direct depositor {$1000.00} with no communication from Mohela that they're issuing a refund. They refunded only XXXX of XXXX payments. 

After Mohela stopped servicing PSLF loans, the phone number for inquiries about PSLF disappeared from heir website. I have tried calling another number to use theme to talk to a representative and gotten bounced around until requesting a call back instead of waiting on hold. Each time, somewhere in the process the call is disconnected. 

Mohela owes me {$550.00} and I have been unsuccessful in reaching customer service make them aware and resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-02-11 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: LA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX. XXXX ] [ XXXX XXXX LA XXXX XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Experian [ Experian ] [ XXXX XXXX XXXX ] [ XXXX, TX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, CA XXXX ] [ XXXX House, XXXX XXXX, XXXX XXXX, XXXX, XXXX ] Subject : Notice of Dispute and Demand for Resolution Under XXXX XXXX. XXXX Dear [ Recipients Name ], I am formally disputing the negligent non-compliance with the Fair Credit Reporting Act ( FCRA ) under XXXX U.S.C. XXXX, which pertains to civil liability for negligent violations of the FCRA. Your organization has failed to comply with FCRA requirements, causing me harm and financial damages. 



Nature of the Violation : [ Clearly state the specific violations, such as failure to correct inaccurate credit report information, failure to properly investigate a dispute, unauthorized access to your credit report, or any other relevant issue. ] Damages Incurred : As a direct result of your negligence, I have suffered the following damages : Financial harm : [ List any monetary loss, increased interest rates, denial of credit, etc. ] Emotional distress : [ If applicable, describe stress or hardship caused by the violation. ] Other consequences : [ Explain any other negative impact, such as job denial due to inaccurate background checks. ] Legal Obligation & Required Action : Under 15 U.S.C. 1681o, any entity that negligently fails to comply with FCRA requirements is liable for actual damages suffered by the consumer, court costs, and reasonable attorneys fees.

To resolve this matter, I demand the following corrective actions : 1. Immediate correction and removal of inaccurate or disputed information from my credit report.

2. Written confirmation of these corrections and the measures taken to prevent future violations.

3. Compensation for damages incurred due to your non-compliance.

If this matter is not resolved within [ reasonable timeframe, e.g., 15-30 days ], I will be forced to pursue legal action to seek damages, including but not limited to actual damages, costs of litigation, and attorneys fees as allowed under 15 U.S.C. 1681o.

This letter serves as formal notice and is being sent via [ certified mail/email ] for documentation purposes. I expect your prompt attention to this matter. 



Sincerely, [ XXXX XXXX XXXX ] [ XXXX, XXXX ] This letter is structured to be firm and legally sound while giving the recipient a chance to resolve the issue before litigation. Let me know if you need any modifications.

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 2025-02-11 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: LA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX. XXXX ] [ XXXX XXXX LA XXXX XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Experian [ Experian ] [ XXXX XXXX XXXX ] [ XXXX, TX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, CA XXXX ] [ XXXX House, XXXX XXXX, XXXX XXXX, XXXX, XXXX ] Subject : Notice of Dispute and Demand for Resolution Under XXXX XXXX. XXXX Dear [ Recipients Name ], I am formally disputing the negligent non-compliance with the Fair Credit Reporting Act ( FCRA ) under XXXX U.S.C. XXXX, which pertains to civil liability for negligent violations of the FCRA. Your organization has failed to comply with FCRA requirements, causing me harm and financial damages. 



Nature of the Violation : [ Clearly state the specific violations, such as failure to correct inaccurate credit report information, failure to properly investigate a dispute, unauthorized access to your credit report, or any other relevant issue. ] Damages Incurred : As a direct result of your negligence, I have suffered the following damages : Financial harm : [ List any monetary loss, increased interest rates, denial of credit, etc. ] Emotional distress : [ If applicable, describe stress or hardship caused by the violation. ] Other consequences : [ Explain any other negative impact, such as job denial due to inaccurate background checks. ] Legal Obligation & Required Action : Under 15 U.S.C. 1681o, any entity that negligently fails to comply with FCRA requirements is liable for actual damages suffered by the consumer, court costs, and reasonable attorneys fees.

To resolve this matter, I demand the following corrective actions : 1. Immediate correction and removal of inaccurate or disputed information from my credit report.

2. Written confirmation of these corrections and the measures taken to prevent future violations.

3. Compensation for damages incurred due to your non-compliance.

If this matter is not resolved within [ reasonable timeframe, e.g., 15-30 days ], I will be forced to pursue legal action to seek damages, including but not limited to actual damages, costs of litigation, and attorneys fees as allowed under 15 U.S.C. 1681o.

This letter serves as formal notice and is being sent via [ certified mail/email ] for documentation purposes. I expect your prompt attention to this matter. 



Sincerely, [ XXXX XXXX XXXX ] [ XXXX, XXXX ] This letter is structured to be firm and legally sound while giving the recipient a chance to resolve the issue before litigation. Let me know if you need any modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/2025, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX XXXX XXXX - XXXX - This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 


As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

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 2025-02-11 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-02-11 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-11 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1400.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00}

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 2025-02-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NV

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

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 2025-02-11 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XX/XX/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Opened a chase bank account on XX/XX/XXXX or XXXX, had everything set up had my tax return being sent. Was told XX/XX/XXXX through email to call for unusual activity, called verified my information and they said okay you should be all set. Called the next day was informed the bank was closing both my accounts and did not give an explanation as to why. Can no longer bank with them. Was told once the deposit went in I should be able to go to branch and access the funds, was denied the funds said was given information and a check would be sent. I literally just opened my accounts and now have no money that is in said accounts and no bank accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX CARD on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX,, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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