vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

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 explanation
Consumer complaint received 2025-03-23 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: PA

Complaint narrative:
Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up. 
Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly. 
Here are the accounts Im disputing : Account Name : [ XXXX XXXX XXXX  ], Account Number : [ XXXX ], Issue : Unverified Account, Inaccurate Account Account Name : [ XXXX ], Account Number : [ XXXX ], Issue : Unverified Account, Inaccurate Account Account Name : [ XXXX XXXX XXXX ], Account Number : [ XXXX ], Issue : Unverified Account, Innaccurate Account Account Name : [ XXXX ], Account Number : [ XXXX ], Issue : Unverified Account, Inaccurate Account I also know about the recent lawsuit between the CFPB and XXXX, where XXXX got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right.

Heres what I need from you : A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ). 
Exactly what steps you took to investigate my dispute. 
Copies of any documents you used to verify the account. 
If you cant properly verify this account, I want it deleted from my credit file. 
Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, Ill have no choice but to take this to my states Attorney General, or other authorities. 
I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 
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 non-monetary relief
Consumer complaint received 2025-03-22 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: NY

Complaint narrative:
Submission of payments is not being sent to DOE by MOHELA. 

Account : # XXXX These payments, under the XXXX XXXX XXXX XXXX XXXX are PSLF qualified XXXX However, since XX/XX/year>, these payments have not been updating ( with one exception being XXXX, 2024 ). 

Work service shows as " Qualified '' for all payments MOHELA has transmitted, but per attached, is not showing as payments made under the DOE portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time.

I am officially opting out of your reporting services. Unless I personally authorize specific information to be furnished, I exercise my federally protected right to opt out of any and all future reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time.

I am officially opting out of your reporting services. Unless I personally authorize specific information to be furnished, I exercise my federally protected right to opt out of any and all future reporting!

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am disputing the accuracy of a charged-off Affirm loan that appears on my XXXX credit report. The loan ( original amount : {$250.00}, opened XX/XX/XXXX ) is being reported as charged off with a {$120.00} balance. However, Affirm failed to provide complete documentation validating this amount. 

I submitted a written dispute to Affirm on XX/XX/XXXX requesting validation of the balance and a full transaction/payment history. Their response acknowledged the loan was charged off on XX/XX/XXXX due to being XXXX days late, and they confirmed my last payment was {$24.00} on XX/XX/XXXX. They also noted a failed payment on XX/XX/XXXX and listed subsequent missed payments, but they did not provide any documentation breaking down how the final {$120.00} balance was calculated or any collection attempts before charge-off. 

Additionally, my XXXX report does not show a full payment history and misrepresents the timeline. Despite my request, Affirm did not provide complete verification or update the reporting to accurately reflect payments made. This tradeline appears to be incomplete and possibly misreported. 

I am requesting a full investigation and that Affirm either correct the tradeline with accurate information or delete it entirely if proper validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
In XXXX of 2024, I sent in an application to change my payment plan from an IDR to an extended plan. I spoke to someone on the phone who walked me through the process. They confirmed receipt of the application and said it would take up to 30 days to process. To date, I have sent multiple messages and received no response other than they received my application. I submitted this application because the payment is to high and I do not want to default but yet they will not respond to me. I have also filed a complaint with Federal Aid in XXXX and still have not heard anything from them. Below is a screenshot of the messages I have sent to Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. This company reporting on my credit as an attempt to collect a debt. I have no knowledge of company. I have reached out to company representatives and they have ignored my request of removal from their system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: OH

Complaint narrative:
Original loan with Lendmark Financial was dated XX/XX/XXXX, in the amount of {$5500.00}. loan was closed as fulfilled on XX/XX/XXXX, Disbursed amount is supported by bank records, and fulfillment supported by credit reports from the three major credit agencies XXXX, XXXX, and XXXX. 

Loan agreement with Lendmark Financial signed XX/XX/XXXX. {$1000.00} was dispersed in this agreement and is supported by bank records. This loan was closed as fulfilled on XX/XX/XXXX, XXXX fulfillment supported by credit reports from the three major credit agencies XXXX XXXX XXXX XXXX and XXXX XXXX 

Loan agreement dated XX/XX/XXXX. {$100.00} was dispersed. The amount is supported by bank records Total historical disbursements to XXXX  from Lendmark Financial total {$6600.00} In a letter dated XX/XX/XXXX, from XXXX XXXX XXXXXXXX XXXX the lender through their representative admit XXXX  has repaid {$5700.00} on the loan agreement that originated on XX/XX/XXXX. 

After discovering accounting errors on XX/XX/XXXX, I initiated contact with Lendmark asking for a detailed accounting of how we arrived at loan amount, and detailed transaction history informing I was disputing the agreement amount The loan agreement signed XX/XX/XXXX, has not had time to accrue {$6000.00} in interest so that amount is outright denied, disputed, and appears inappropriate & potentially illegal The current loan agreement in dispute has documented the financed amount of {$7900.00}, only {$100.00} was dispersed and is supported by bank records

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Attn : Legal Department Re : Cease and Desist Request for Debt Collection Activities Dear Sir/Madam, I am writing to formally request that your company, cease and desist all further communication regarding the alleged debt referenced in your prior communications with me. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am exercising my right to demand that your company stop all communication with me regarding this matter.

Please note that I am fully aware of my rights under the FDCPA, and I expect full compliance with the law as it pertains to my situation. Therefore, I request the following : 1. Immediate cessation of all collection activities : Please refrain from any further telephone calls, letters, or other forms of communication with me, either directly or through any third party, regarding this alleged debt.

2. Verification of the debt : If you believe I am obligated to pay the debt, I require that you provide me with proper verification, as stipulated under 15 U.S.C. 1692g. This verification must include the amount of the alleged debt, the name of the creditor, and other relevant details. 

I also want to remind you that any further attempt to contact me may result in legal action under the FDCPA for violations of my rights as a consumer. Should you continue to contact me in any form after receiving this letter, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states attorney generals office, as well as seeking legal remedies available under the law.

Please take this letter seriously and ensure that your company adheres to the regulations under the FDCPA. I trust you will take prompt action to resolve this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I called XXXX XXXX  and told them I can't complete membership because I need a XXXX XXXX and I couldn't stand on of employees said it was ok now I see on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy Here is the item I am asking you verify as accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Im disputing an invalid account reporting by Lockhart, Morris, & Mont on my credit report. This is inaccurate, unverified and violates the Fair Credit Reporting Act ( FCRA ). Since it does not meet the legal standards of reporting. I request that it is immediately removed. If the furnisher can not provide proper validation, it must be deleted per federal law. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MI

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. that i believe is harming my financial wellbeing. There has been inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

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 2025-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I missed a payment I don't even remember when, now they charge me late fee every month, total late fee now is $ XXXXI asked mortgage company to move payment towards end or break it into several payments monthly, but they will not do anything, and told me to keep making payment before XXXX of every month, so they don't report me to credit agency. Its difficult for me to make 2 month payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy Here is the item I am asking you verify as accurate. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against the following creditors and collection agencies for their failure to conduct proper investigations into fraudulent accounts and unauthorized credit inquiries appearing on my credit reports. Despite multiple disputes, these entities have not provided the legally required documentation verifying these accounts. I demand immediate action to rectify these violations. 

Fraudulent Accounts : XXXX. XXXX XXXX  Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$3100.00} Balance Owed : {$3100.00} Address : XXXX XXXX XXXX, XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$11000.00} Balance Owed : {$11000.00} Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$1500.00} Balance Owed : {$1500.00} Address : [ Not provided in available sources ] XXXX. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$1900.00} Balance Owed : {$1900.00} Address : [ Not provided in available sources ] XXXX. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$2500.00} Balance Owed : {$2500.00} Address : [ Not provided in available sources ] XXXX. XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Agency/Attorney Original Creditor : IL Department of Human Services Amount Owed : {$5400.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Type : Collection Agency/Attorney Original Creditor : XXXX  Amount Owed : {$260.00} Address : [ Not provided in available sources ] Legal Violations : 15 U.S.C. 1681e ( b ) : These entities are legally required to ensure maximum accuracy in credit reporting. Their failure to remove these fraudulent accounts violates federal law.

15 U.S.C. 1692g : They must provide verified proof of these debts, including the original signed application or contract. Their continued failure to produce this documentation proves that these accounts are fraudulent and must be removed immediately. 
15 U.S.C. 1692c : This statute restricts communication with consumers at unusual times or places known to be inconvenient. Despite notifying these entities of the fraudulent nature of the accounts, they have continued to contact me, causing undue stress and inconvenience.

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 2025-03-22 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: CA

Complaint narrative:
Improper use of my report reporting it without my permission which is devastating to my credit report and against the law they're violating my constitutional rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
Improper use of my report reporting it without my permission which is devastating to my credit report and against the law they're violating my constitutional rights as a consumer

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