vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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:
In XXXX I received a letter from the XXXX XXXX XXXX stating that my loan had been XXXX. Then in XXXX on the federal student website it showed that I had 2 loans and 2 servers ( one from XXXX and one for Mohela ) I called both XXXX XXXX XXXX and XXXX, which I was told by both that XXXX had took over my loan and the one from Mohela would go away. at the end of XXXX, I was receiving emails from XXXX about my loan being XXXX. At the beginning of XXXX, I called Mohela to see why they still had my loan showing that I owed over XXXX but that it was in forbearance. When I was finally able to take to someone, they said they were waiting on the letter from federal student gov to send them the letter that my loan had been discharged. I explained that I had the letter from XXXXXXXX XXXX XXXX plus the letters from XXXX telling me that everything was paid off. I was told to upload everything to my portal which I did on XX/XX/XXXX, and everything would be pushed through right away. On XX/XX/XXXX I received a letter stating that my loan was in forbearance but not admin forbearance. On XX/XX/XXXX I sent an email asking the status of what was going on, I heard nothing. On XX/XX/XXXX I called and was on the phone for 5 and 1/2 hours to ask what the status of my loan was and if they were close to closing it. I was told that again that it was in forbearance and they did not know how long it is going to take for them to review it. I also asked about the payments that I had made ( which I was told I would be getting the money back ( Over XXXX XXXX  ) ). I was told that they have been updating my account, but I have yet to get any updates. They said they finally did receive the letter from XXXX XXXX XXXX, but they can take up to 3 years to process the documents and I just have to wait. I have not heard anything and if I call, I can not speak with a supervisor, I have to wait for hours and someone will come on and they will communicate with the supervisor, put you on hold and will only give you information that is on the website and nothing more. This is frustrating and feels like they do not want to give back money or work on an account because it is not important to them. I really would like to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX  Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNATHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Kikoff Inc.
State: OH

Complaint narrative:
XX/XX/year> XXXX $ XXXX # XXXX. No actions were taken by this company to fix this problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-05-02 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To whom this may concern I received a copy of my credit report and found the following account to have errors. By the provisions of the fair credit reporting act 15 U.S.C Sec 1681i ( a ) I demand this account be removed from my credit report. I have notified all three credit bureaus about the errors and havent received any changes updates or removal for the errors. XXXX has the following errors reported such as incorrect repossession date and incorrect payment history. Repossession date has been reported as XX/XX/XXXX instead of XX/XX/XXXX and also my first delinquent date was on XX/XX/XXXX which makes the account 7 years since first delinquent date. Charge off amount has reported incorrect to all three credit bureaus, also never received paperwork for a 1099c form for the charge off. I feel experian has violated my rights for a fair credit report. Please remove from account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To whom this may concern I received a copy of my credit report and found the following account to have errors. By the provisions of the fair credit reporting act 15 U.S.C Sec 1681i ( a ) I demand this account be removed from my credit report. I have notified all three credit bureaus about the errors and havent received any changes updates or removal for the errors. Account:XXXX has the following errors reported such as incorrect repossession date and incorrect payment history. Repossession date has been reported as XX/XX/XXXX instead of XX/XX/XXXX and also my first delinquent date was on XX/XX/XXXX which makes the account 7 years since first delinquent date. Charge off amount has reported incorrect to all three credit bureaus, also never received paperwork for a 1099c form for the charge off. I feel experian has violated my rights for a fair credit report. Please remove from account immediately.

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 2025-05-02 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: Self Financial Inc.
State: OH

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX. No actions were taken by this company to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. EXPERIAN XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXXXXXX 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
I was assured during the last complaint that this account was being reported correctly by Discover, XXXX XXXX and XXXX, but here we are in XXXX and it is still incorrect. This account is fraudulent and needs to be removed, but until litigation is complete regarding that, at the very minimum it must be reported accurately while it remains on my credit report. 

I am formally disputing the reporting of the following Discover secured credit card account on my credit report. The information currently being reported is not only inaccurate but also misleading and in violation of the Fair Credit Reporting Act ( FCRA ). 

Creditor : Discover Bank Account Type : Secured Credit Card Balance : {$260.00} Date Closed : XX/XX/XXXX Pay Status : Charge-off Last Payment : XX/XX/XXXX Date Updated : XX/XX/XXXX High Balance History : {$630.00} ( from XX/XX/XXXX to XX/XX/XXXX ) Credit Limit History : {$500.00} ( from XX/XX/XXXX to XX/XX/XXXX ) There are multiple charge off dates between XXXX  and XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. That is a blatant inaccuracy. If this account was closed and charged off in XX/XX/XXXX, why do your records show credit activity, balances, and limits being updated between XX/XX/XXXX and XXXX XXXXwell after the account was closed? And this is after multiple disputes and supposed reinvestigations! This is factually impossible and constitutes an inaccurate and unlawful re-aging of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of data XXXX/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX  XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNATHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-05-02 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: Mobiloans, LLC
State: FL

Complaint narrative:
Mobiloans LLC is sharing my nonpublic personal with nonaffiliated third parties XXXX XXXX XXXX XXXX Mobiloans LLC does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-02 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: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-02 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: FL

Complaint narrative:
Equifax is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Equifax written correspondence which include my proof of identity, an identity report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I filed a billing dispute with Bank of America on XX/XX/year> ( Claim XXXX XXXXXXXX ) because I never received the item I paid for. 
The seller then contacted me and promised to ship, so I canceled the claim in good faith. 
However, the item was never shipped, and when I tried to reopen the case by submitting a new dispute on XX/XX/XXXX, BoA rejected it as a duplicate. 
Now they are removing the {$59.00} credit I originally received, and I am left without the product or a refund. 
I have attempted to contact BoA through the app and website, but there is no way to reach a live agent without calling, and I am not able to call. 
I just want BoA to either reopen the original claim or let me file a new one, as I have full documentation showing the seller failed to deliver the item. 
Attached are screenshots showing the sellers shipping promise, my canceled dispute due to that promise, and the banks decision to deny my second claim.

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 monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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