vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dispute 1- XXXX ( XXXX XXXX XXXX ) XXXX : Source of dispute information : Credit Report Type of disputed information : Accuracy of Reported Late Payments and Remarks Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. 
The report shows I was late on above mentioned dates, The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. Please find a history of my payments with XXXX XXXX XXXX, indicating no late payments. 
I have attached a copy of my report with the accounts in question circled. 

Dispute 2 - Synchrony Bank / Care Credit XXXX Source of dispute information : Credit Report Type of disputed information : Accuracy of Reported Late Payments and ReMarks Dates associated with item being disputed : XX/XX/XXXX, and XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. I dispute these charges and I dont recognize the late charges in question. 
Please find my bank statements from XX/XX/XXXX and XX/XX/XXXX, disputing the charges in question. 
Dispute 3 - XXXX XXXX XXXX Source of dispute information : XXXX XXXX Type of disputed information : Accuracy of Reported Late Payments and ReMarks Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. I dispute these charges and I dont recognize the late charges in question. There are conflicting reports on the accuracy of a false late between on the other 2 credit bureaus as well. 
Please find my bank statements from XX/XX/XXXX, disputing the charges in question.

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 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Two weeks ago, my credit score dropped by XXXX points. When I investigated why, I was told it was due to a delinquent student loan. I contacted the company immediately because I had no record nor reconciliation of this loan. They said they reached out to me however since the loan was from XXXX  all the information they had on file for me was wrong including my phone number, address, and email. And because I never knew about this loan, I had no way to update this information. However, I paid off the loan in full the same day and asked them to take the delinquent notice off of my credit report. they are now refusing to do so despite acknowledging they were unable to contact me properly and I had no clue about this loan. I am in the process of buying a home and really need a resolution with this company. I have called them several times and have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: AR

Complaint narrative:
I recently review a copy of my credit report noticed I had fraudulent accounts and inquiries on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Also, I have a police report attached to prove my case.

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 2025-03-10 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: CARCO Group, Inc.
State: GA

Complaint narrative:
I am disputing and filling a complaint for XXXX unauthorized hard inquiries dating back XX/XX/XXXX up to XX/XX/XXXX that have appeared on my credit report as a result of identity theft. I did not apply for credit with these lenders, nor did I authorize any of these inquiries. These fraudulent activities have negatively impacted my credit score and were conducted without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX  XXXX XXXX XXXX {$21000.00} DATE OPEN : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$4500.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$480.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00} DATE OPEN : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX  XXXX XXXX XXXX {$21000.00} DATE OPEN : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$4500.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$480.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00} DATE OPEN : 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 2025-03-10 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: SD

Complaint narrative:
Im a victim of identity theft. Upon review of credit report I have several accounts that were not opened by me. The below accounts were not opened by me nor did I authorize them to be opened. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these tradelines from my credit file. I have reached out to creditors and not able to obtain any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
A collections account for someone else was placed on my report and Ive never had XXXX XXXX or lived in 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 2025-03-10 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: NJ

Complaint narrative:
I am submitting this formal complaint regarding the mismanagement of my Income-Driven Repayment ( IDR ) plan application by MOHELA, my federal student loan servicer. Due to MOHELAs unreasonable delays and improper handling of my application, my account has continued to accrue interest, despite the fact that I should have been placed on a general zero-interest forbearance while my application was under review. 

I originally applied for an Income-Based Repayment ( IBR ) plan in XX/XX/XXXX. MOHELA reviewed my application for approximately two months until XX/XX/XXXX, at which point I contacted them for an update. At that time, I was advised to switch to a Pay As You Earn ( PAYE ) plan, as it would be more beneficial to me in the long run. I followed their recommendation and submitted the necessary documentation for the PAYE plan. Since then, my application has remained in processing for another two months, only to be indefinitely delayed due to pending litigation against the Department of Education. 

Throughout this entire periodnow exceeding 110 daysmy student loan account has continued to accrue interest. At no point has MOHELA placed my account under a XXXX-interest forbearance, despite my applications being in process and the delay being entirely outside of my control. This mismanagement has caused me financial harm, as interest continues to capitalize unnecessarily. MOHELAs actions ( or inactions ) have been in bad faith, as they failed to implement appropriate measures to prevent undue financial burden on borrowers impacted by servicer delays. 

I have contacted both MOHELA and Federal Student Aid multiple times in an attempt to resolve this issue. Every time I call MOHELA, they have told me that there is nothing they can do and that any action toward placing my account on a zero-interest forbearance must come from Federal Student Aid . This is false. MOHELA, as my loan servicer, has the ability to place my account in forbearance due to processing delays, yet they have repeatedly refused to take appropriate action. This misleading and inaccurate information has further delayed a resolution and caused additional financial harm. 

I am requesting immediate corrective action, including : MOHELAs failure to uphold proper servicing standards has placed an unfair financial burden on me. I request an urgent response and resolution to this matter. Please confirm receipt of this complaint and provide a timeline for corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: ME

Complaint narrative:
My car is in the repossession status. Was XXXX, had family deaths and fallen several months behind. My car company is a scam and wont allow me to defer the payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NY

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX, XXXX 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 2025-03-10 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: OH

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved the ( CFPB ) consumer financial protection Bureau has recently bought a lawsuit against Equifax, alleging, systemic issues, such as failing to forward, consumer provided evidence to burnishers excepting unreliable responses, and failing to adequately, notify consumers of dispute our XXXX, these failures, along with my experience, where Equifax has neither corrected nor removed Disputed items, despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate, corrective action to remove or amend the disputed accounts as Equifax is in action, violates federal law, and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: KS

Complaint narrative:
I recently submitted a dispute inquiring about the completeness and accuracy of an account on my credit report. They clearly failed to conduct a reasonable investigation. I have reason to believe this information on my credit report is still reporting inaccurately and incomplete. This is causing me a lot of stress and I am becoming depressed. Please help me I feel like my life is ruined. 

Please understand I am a natural person and I am the one submitting this dispute. This dispute is not being submitted by a third party!

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 2025-03-10 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: KS

Complaint narrative:
I recently submitted a dispute inquiring about the completeness and accuracy of an account on my credit report. They clearly failed to conduct a reasonable investigation. I have reason to believe this information on my credit report is still reporting inaccurately and incomplete. This is causing me a lot of stress and I am becoming depressed. Please help me I feel like my life is ruined. 

Please understand I am a natural person and I am the one submitting this dispute. This dispute is not being submitted by a third party!

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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: LA

Complaint narrative:
I am writing to formally request debt validation under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ) XXXX15 U.S.C 1692g. I recently received a notice from your agency regarding an alleged debt, and before I take any action, I am requesting full validation of the debt, as required by federal law.

Per FDCPA, please provide the following : 1. Proof that I owe this debt, including a signed agreement or contract.

2. A detailed breakdown of the amount owed, including principal, interest, fees, and any other charges.

3. The name and address of the original creditor, as well as the original account number.

4. Proof that your agency is legally authorized to collect this debt. 
Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to the credit bureaus, as required under 15 U.S.C. 1692g ( b ). If you fail to provide proper validation, I. expect that you remove this account from my credit report immediately and cease any further contact regarding this matter.

Additionally, under 15 U.S.C. 1692c, I formally request that all communication regarding this debt be conducted in writing only.

Company response to consumer: Closed with explanation