vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: PA

Complaint narrative:
This loan began on XX/XX/XXXX and was originally for {$16000.00}. To date, I have paid a total of {$34000.00} into this loan since XXXX, yet still have a balance of {$10000.00}. I found out my school, XXXX XXXX in New York XXXX, permanently closed XX/XX/XXXX, and I subsequently reached out to Mohela to inquire about loan forgiveness. I only attended school here for XXXX semesters due to health concerns, which is not enough to even come close to a completed degree. 

I was told by Mohela that while they do forgive loans when the school closes, they wouldn't forgive my specific type of loan and did not provide detail into why my loan does not qualify for forgiveness. 

I have also offered a lump sum of {$5000.00}, to which they stated they do not accept any debt settlement offers and declined. 

They provided me a number to call to inquire about other loan forgiveness options ( XXXX ), but when I called they said they could not accept anything other than the full amount of the remainder of the loan. 

I reach out to you to review this practice of debt collection with no resolution in this company. I have paid over 200 % of what was originally borrowed, and am being asked to pay an additional 41 % for XXXX semesters of college 17 years ago. I understand how loans and interest work, but I have paid XXXX major loan providers at this time ( XXXX XXXX, XXXX, and now Mohela ) and want to be done with this loan as I look to my future and pursue different education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANCFIRST CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX, the bank mailed ck # XXXX in the amount of {$56.00} to the City for a utility payment. Which was cleared on XX/XX/XXXX, but not posted until XX/XX/XXXX. Then on XX/XX/XXXX they issued another payment for $ XXXXwithout my knowledge to the utility company. And did not post to my account, but returned the check to the utility department. The bank then charged my account {$5.00} insufficient funds with no explanation. They did refund the {$5.00} but now the utility company will charge me a {$25.00} returned check fee. When I called the bank and presented the evidence I had they kept putting me on hold. I have had problems with this bank before also. It is the banks fault my account became overdrawn and I feel they're trying to make me feel ignorant and that it was my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 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:
I have not supplied proof under the doctrine of XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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:
Subject : Request for Blocking and Deletion of Fraudulent Account Under 15 USC 1681c-2 ( a ) I am writing to formally request the blocking and deletion of a fraudulent account from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ). I am a victim of the Equifax data breach, and an unauthorized account has been opened in my name without my consent. 

The fraudulent account details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX As per federal law, victims of identity theft have the right to request the blocking of inaccurate or fraudulent information resulting from identity theft. Enclosed with this letter, I am providing the necessary documentation to support my request : 1. A copy of my government-issued identification.

2. A copy of a recent utility bill or bank statement to verify my address.

3. A police report or FTC Identity Theft Report documenting the fraudulent activity. 
I request that Equifax immediately block and delete this account from my credit file and provide written confirmation once this has been completed. Additionally, please notify XXXX XXXX XXXX of this action.If you require any additional information to process my request, please contact me at your earliest convenience. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: MA

Complaint narrative:
I paid off all my collections on all my reports. Per their website once the debt is paid off it should be deleted from all reports. They are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experian 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 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, Experian '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 Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX, XX/XX/year>, {$99.00} )

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 2025-02-27 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: PA

Complaint narrative:
It has come to our attention that student loan accounts have been reported incorrectly. This issue has led to discrepancies in account statuses, balances, and repayment histories, affecting borrowers ' financial records.

Findings : Errors in Reporting : Some student loans have been incorrectly reported as delinquent or in default despite being in good standing.

Inaccurate Balance Updates : Loan balances do not reflect recent payments or adjustments in some cases.

Misclassified Payment Status : Payments made on time have been recorded as late or missing.

Duplicate Entries : Some borrowers ' loan accounts have been reported multiple times, leading to inflated debt amounts on their records.

Failure to Update Forgiveness or Deferment Status : Some loans eligible for forgiveness, deferment, or income-driven repayment adjustments have not been updated accordingly.

Impact : These errors can negatively affect borrowers ' credit scores, hinder their ability to secure future loans, and cause unnecessary financial stress. Additionally, institutions responsible for reporting may face compliance issues and reputational damage.

Recommendations : Immediate Audit : Conduct a thorough review of student loan records to identify and correct errors.

Enhanced Verification Process : Implement stricter quality control measures before reporting loan information.

Improved Communication : Establish a direct line of communication with loan servicers to ensure real-time updates.

Borrower Notification : Inform affected borrowers and provide them with corrective actions.

Regulatory Compliance Review : Ensure reporting practices align with federal and state regulations to prevent future errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: PA

Complaint narrative:
It has come to our attention that student loan accounts have been reported incorrectly. This issue has led to discrepancies in account statuses, balances, and repayment histories, affecting borrowers ' financial records.

Findings : Errors in Reporting : Some student loans have been incorrectly reported as delinquent or in default despite being in good standing.

Inaccurate Balance Updates : Loan balances do not reflect recent payments or adjustments in some cases.

Misclassified Payment Status : Payments made on time have been recorded as late or missing.

Duplicate Entries : Some borrowers ' loan accounts have been reported multiple times, leading to inflated debt amounts on their records.

Failure to Update Forgiveness or Deferment Status : Some loans eligible for forgiveness, deferment, or income-driven repayment adjustments have not been updated accordingly.

Impact : These errors can negatively affect borrowers ' credit scores, hinder their ability to secure future loans, and cause unnecessary financial stress. Additionally, institutions responsible for reporting may face compliance issues and reputational damage.

Recommendations : Immediate Audit : Conduct a thorough review of student loan records to identify and correct errors.

Enhanced Verification Process : Implement stricter quality control measures before reporting loan information.

Improved Communication : Establish a direct line of communication with loan servicers to ensure real-time updates.

Borrower Notification : Inform affected borrowers and provide them with corrective actions.

Regulatory Compliance Review : Ensure reporting practices align with federal and state regulations to prevent future errors.

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 2025-02-27 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 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: MD

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 explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: MT

Complaint narrative:
I turned XXXX in XX/XX/XXXX. In XX/XX/XXXX I started attending college. In XX/XX/XXXX, I started getting called from this debt collection agency. They said there was a tax return filed in my name in XXXX for over {$8000.00}. In XXXX I was only XXXX years old. I've called the debt collection company and tried to dispute it. They stated they could dispute the interest accumulated over the years ; however, I would still have to pay {$8000.00}. Currently, they have given me a 90 day window, where they would not request payment. I believe my father XXXX have obtained my social security survivor benefits as a result of my mother 's death in XXXX. As a result, his guardianship was revoked around the years XXXX and given to my elder brother. I requested a credit report online, however, there were some issues, so I had to submit it via paper on XX/XX/XXXX. I created a social security account to try and get information about my survivor benefits, though have made little progress so far. So, I will have to contact social security about my survivor benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This is in response to CFPB complaint XXXX. I appreciate your response ; however, I want to make it clear that this is not merely a standard dispute but a formal complaint regarding inaccurate and unauthorized reporting. Per the FCRA, any account that can not be verified as accurate must be deleted. While you conduct your investigation, this account must not remain on my credit report. Additionally, I have ceased mail communication with your company, and I am demanding that all responses be sent through the CFPB portal. This is necessary to maintain a clear and documented paper trail for legal purposes. I expect full compliance with federal reporting laws and a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 explanation