vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NH

Complaint narrative:
The actions of XXXX XXXX and his DOGE affiliates is in violation of the Higher Education Act of XXXX, the Privacy Act of XXXX, and FERPA. My sensitive data is now compromised. 

Additionally, entered into public service with the understanding I would qualify for XXXX. Everything is significantly backed up, and its impossible to get a straight answer. 

Furthermore, there are less options to qualify for and to partake in to achieve a reasonable rate of repayment. 

I request removal of this information from my credit report and cancellation of debt, as I can not be sure that my sensitive information has not been compromised by the possible illegal actions of DOGE.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Experian refused to investigate your dispute, claiming that the request did not appear to be sent by you or authorized by you. Despite receiving your dispute, they took no action based on this assumption. This violates 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a credit reporting agency to investigate disputes if a consumer directly notifies them of inaccurate information. Their failure to investigate after receiving certified mail and proper documentation constitutes non-compliance with the FCRA.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Experian refused to investigate your dispute, claiming that the request did not appear to be sent by you or authorized by you. Despite receiving your dispute, they took no action based on this assumption. This violates 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a credit reporting agency to investigate disputes if a consumer directly notifies them of inaccurate information. Their failure to investigate after receiving certified mail and proper documentation constitutes non-compliance with the FCRA.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Dispute of Civil Liability for Negligent Non-Compliance ( Section 1681 O ) Dear CFPB, I am writing to formally dispute the following inaccurate information that appears on my credit report. Under Section 1681 O of the Fair Credit Reporting Act ( FCRA ), I am notifying you that there has been a failure to comply with the obligations set forth in the law, specifically related to the handling of my credit report and information. 
The specific information I dispute is as follows : 1. Item/Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX Account XXXX : XXXX Nature of Dispute : inaccurate reporting, incorrect dates, and amounts. 

According to the FCRA, credit reporting agencies and furnishers of information are required to ensure the accuracy and completeness of information provided to credit reporting agencies. I believe this information is incorrect and has been reported inaccurately due to fraud, mistaken identity, outdated data, and reporting error. 
As stipulated by Section 1681 O of the FCRA, if a credit reporting agency or furnisher negligently fails to comply with their obligations, they may be held liable for damages. I am requesting that you investigate this dispute within the 30-day period prescribed by the law and take appropriate action to correct or remove the inaccurate information from my report. 
If this issue is not resolved in a timely and satisfactory manner, I will pursue all available legal remedies, including but not limited to, seeking civil liability for negligence under Section 1681 O of the FCRA. I trust that this matter will be handled promptly and according to legal requirements. 
Please confirm receipt of this dispute and notify me of the actions you will take to correct the information on my credit report. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Dispute of Civil Liability for Negligent Non-Compliance ( Section 1681 O ) Dear CFPB, I am writing to formally dispute the following inaccurate information that appears on my credit report. Under Section 1681 O of the Fair Credit Reporting Act ( FCRA ), I am notifying you that there has been a failure to comply with the obligations set forth in the law, specifically related to the handling of my credit report and information. 
The specific information I dispute is as follows : 1. Item/Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Item/Account Name : XXXX XXXX XXXX Account XXXX : XXXX Nature of Dispute : inaccurate reporting, incorrect dates, and amounts. 

According to the FCRA, credit reporting agencies and furnishers of information are required to ensure the accuracy and completeness of information provided to credit reporting agencies. I believe this information is incorrect and has been reported inaccurately due to fraud, mistaken identity, outdated data, and reporting error. 
As stipulated by Section 1681 O of the FCRA, if a credit reporting agency or furnisher negligently fails to comply with their obligations, they may be held liable for damages. I am requesting that you investigate this dispute within the 30-day period prescribed by the law and take appropriate action to correct or remove the inaccurate information from my report. 
If this issue is not resolved in a timely and satisfactory manner, I will pursue all available legal remedies, including but not limited to, seeking civil liability for negligence under Section 1681 O of the FCRA. I trust that this matter will be handled promptly and according to legal requirements. 
Please confirm receipt of this dispute and notify me of the actions you will take to correct the information on my credit report. 
Thank you for your attention to this matter. 

Sincerely, 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 


XXXXINQUIRY : ( EXPERIAN ) XXXX XXXX XXXXXXXX Inquiry date - XX/XX/XXXX INQUIRY : ( TRANSUNION XXXX XXXX - Inquiry Date XX/XX/XXXX *ACCOUNTS/COLLECTIONS/CHARGE-OFF : ( EXQUIFAX ) XXXX  XXXX Balance - {$310.00} Credit limit - {$200.00} Account number XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX Account number - XXXX Date opened- XX/XX/XXXX XXXX XXXX Original balance {$530.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX Original balance - {$520.00} Account number - XXXX Date opened- XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX  XXXX  if the consumer has provided trafficking documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX XXXX  ) XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] XXXX  XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding an issue with Self Inc. about a late payment on my account. I was XXXX  during the period the payment was missed, and I have contacted Self Inc. multiple times, requesting a goodwill adjustment to change the late payment to an on-time payment due to the extenuating circumstances.

I was told by Self Inc. that they can not update my payment status because of the Fair Credit Reporting Act ( FCRA ). However, I believe this is a misunderstanding or misinterpretation of the law, as the FCRA does not prohibit a company from making a goodwill adjustment to correct a late payment when the information is accurate.

I am aware that under the FCRA, creditors are required to report accurate information, but the law does not prevent a creditor from voluntarily updating or removing a late payment for a customer who has had extenuating circumstances like a medical emergency. I have a long history of on-time payments, and this late payment is an anomaly.

I requested that Self Inc. make a goodwill adjustment based on my medical emergency, but they continuously refuse, citing the FCRA as the reason, which I believe to be incorrect. I would like to escalate this matter to have the late payment corrected or removed from my credit report.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am receipt of case # XXXX which has been closed by the CFPB per the sham investigations of XXXX XXXX XXXX XXXX, " We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. ". I have been previously disputing these negative items as fraud since XXXX and the redundant XXXX investigation continues to fail to take any action in my favor to " block '' or delete these confirmed fraud items on my consumer credit report under the Fair Credit Reporting Act ( FCRA ). So, in that case, they should remove the fraudulent information from the credit report and notify the consumer, typically requiring the consumer to provide an identity theft report from the Federal Trade Commission ( FTC ) or a law enforcement agency to verify the fraud claim. An identity theft report was provided to XXXX in XXXX and in XXXX and they still fail to protect my identity from mishaps and accept no accountability for the continued violations of the FRCA rules. The CFPB, in addition to XXXX, has taken a " Secretarial position '' by just passing on the message to the consumer without any substance to its reasoning as to why CFPB closed the case # XXXX. Despite my repeated attempts to resolve these issues directly with XXXX, the company has failed to comply with the legal requirements outlined in the FCRA. Specifically, XXXX has committed the following violations : Failure to Investigate Disputes ( 15 U.S.C. 1681i ) I submitted a dispute regarding inaccurate and/or unverifiable information on my credit report on since XXXX. However, XXXX has failed to properly investigate the dispute within the required 30-day period and did not provide a valid response or resolution. I request that your agency take immediate action to investigate XXXX misconduct and impose the necessary penalties for its failure to comply with federal regulations. Furthermore, I demand that XXXX correct these violations by : Conducting a proper investigation of my disputes. Permanently removing inaccurate information from my credit report. Providing a written statement confirming compliance with the FCRA.

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 — Co-signer
Company: MOHELA
State: CO

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX  and FERPA : Did DOGE Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 
I am formally requesting the following actions : 1. Immediate investigation - a full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure- a comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration and Rectification - immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance- a formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur. 
I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Education 's Family Policy Compliance Office ( FPCO ) and explore legal remedies. 
Please contact me at XXXX or XXXX with updates. I trust that you will handle this matter with the urgency it demands. 
Sincerely, XXXX XXXX

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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CapitalOne did not represent me fairly in a {$520.00} chargeback case against a fraudulent merchant ( XXXXXXXX XXXX XXXX XXXX XXXX ). I purchased custom clothing from a tailor that were completely messed up and not stitched to a human being, let alone myself. I submitted thorough documentation in photos and writing of the damaged and useless products, provided XXXX chat transcript with the merchant clearly showing XXXX visits to the merchant and their refusal to accept a return and refund after failing to deliver. CapitalOne lost the dispute with XXXX because they claimed I didn't return the product and was still in possession of it, even though I showed clear attempt to return the items and the merchant refused them. The key to this complaint is that I made XXXX purchases with this merchant that had similar issues with XXXX different credit cards. The XXXX purchase was on a XXXX card. Given the same information and same documentation, XXXX sided with me and credited me the amount for the transaction, whereas CapitalOne failed to do so.

Company response to consumer: Closed with 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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
please check the information concerning the Equifax data breach below in attachments

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 — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
I went to Mohela to get information on my loan. I put in my ss #, they do not have any of my information. Then they say to call another number for federal loans. I call that number, an automated message states they do not have my loan information to contact studentaid.gov. Then studentaid.gov continues to state to contact Mohela & that my loan payment is due XX/XX/XXXX. The last time I contacted Mohela before this was in XXXX & was put on an IDR repayment plan. Now nobody has my information. I need answers.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Dear Euqifax In accordance with the Fair credit reporting act. The lest of accounts blow have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I am writing to formally dispute the medical debt appearing on my credit report with the account reference number [ Portfolio Recovery ]. I have no knowledge of this account and have never received any communication, bill, or notice regarding this matter from either the original creditor or your company. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with full validation of this debt, including the original creditors name, the amount owed, and a detailed explanation of how the debt was calculated. Additionally, please provide proof that I was properly notified and that this account is indeed valid and belongs to me. 

If you can not provide this information, I request that you promptly remove the disputed account from my credit report. 

Attached are copies of my identification and a recent utility bill to verify my identity and address. Please acknowledge receipt of this letter and keep me informed throughout the investigation process. 

I look forward to your response within 30 days, as required by law. If you fail to address this dispute adequately, I will not hesitate to escalate the matter to seek legal counsel if necessary. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one has put a lock on my account after paying a {$400.00} late payment to get my account back in good standing. My credit limit is {$300.00}. I went to XXXXXXXX XXXX XXXXXXXX and it was declined 3 times before I was able to buy food for my son and I. I moved into a new house recently and have not been able to purchase furniture and other necessitys fory home because of this block. Now I have to wait another XXXX days because they made me send in ID for verification when they know who I am, and this Keeps happening. I make a purchase and my account is blocked and I vannot use my card.

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 status incorrect
Company: EQUIFAX, INC.
State: MI

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 2025-03-13 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:
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 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