vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it again. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected, ASAP : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MD

Complaint narrative:
Have submitted requested documentation proving XXXX  XXXX requirements have been met on numerous occasions. Proof was submitted electronically and through USPS in XX/XX/XXXX, more than XXXX year ago. The documentation has still not been processed. 
I have submitted complaints and escalations regarding this matter to Mohela, Federal Loan Services and the Department of Education with no resolution to the problem.

Additionally, Mohela is reporting my account as delinquent and being more than 90 days without a payment, according to their recent email from last week. I have tried calling the phone customer service line but wait times are more than 3 hours. I have submitted several messages to their Inbox while logged into my Mohela account but those have not been replied to either. The last 3 messages sent without reply were sent on XX/XX/XXXX, XX/XX/XXXX, and again today on XX/XX/XXXX. 

Per confirmation emails from Mohela and per my Payment History when logged into my account, I paid {$250.00} on XX/XX/XXXX, {$250.00} on XX/XX/XXXX, {$280.00} on XX/XX/XXXX, and {$170.00} on XX/XX/XXXX. I XXXX be a bit behind on the XXXX payment but have been making regular payments and am certainly not over 90 days overdue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: PA

Complaint narrative:
I am following up on my previously submitted dispute regarding an inaccurate and unverifiable account on my credit report, which remains unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

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 2025-03-25 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: GA

Complaint narrative:
I am currently paying on this account through garnishments. Its also not showing the correct information XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$5600.00}. 
I previously disputed this account stating : ''This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

15 U.S. Code 14 15 U.S. Code 16

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: VA

Complaint narrative:
Please remove the fraudulent and suspicious hard inquiries from my credit report, as outlined in the attached documents.

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 2025-03-25 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: VA

Complaint narrative:
Please remove the fraudulent and suspicious hard inquiries from my credit report, as outlined in the attached documents.

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 2025-03-25 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Company disable all access to my credit information in XX/XX/year>. Multiple requests have been made directly, via CFPB and my state AGs office. Equifax lies about correcting the issue. I still have zero access to my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
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  Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Reporting and Unlawful Practices in XXXX XXXX XXXX XXXX I am writing to file a formal complaint regarding an issue with the XXXX XXXXXXXX XXXX XXXXXXXX and its inaccurate reporting of my account status. I believe the actions taken by the system in this case are unlawful, and I would like to bring this matter to your attention for further investigation. 

On XXXX, I resolved a disputed account by paying off the debt. At the time of settlement, I was assured that upon payment, the account would be reported as both " paid off '' and " disputed. '' However, despite having made the full payment, the account is only reported as " paid off '' and does not reflect the " disputed '' status as promised. 

I have made every effort to resolve this matter by contacting the relevant parties involved, but the issue persists. The failure to report the account as " disputed '' after payment is misleading and detrimental to my credit history and financial standing. 

I believe this situation constitutes an unfair practice under the Fair Credit Reporting Act ( FCRA ), as it fails to reflect an accurate account status and may cause harm to my creditworthiness. The inability to properly update the account as " disputed '' after payment undermines my legal rights as a consumer. 

I respectfully request that the Consumer Financial Protection Bureau look into this issue and take appropriate action to ensure that the XXXX XXXXXXXX XXXX XXXXXXXX complies with all applicable laws and regulations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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, Transunion '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 the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion '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 Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX ) ( Open XXXX XXXX ) ( COLLECTION )

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian and TransUnion for inaccurately reporting a fraudulent and inaccurate reporting of an unauthorized account from XXXX XXXX XXXX ( XXXX )/ Original Creditor : XXXXXXXX XXXX XXXX on my credit file. I have never opened, authorized, or had any relationship with this creditor, yet this account has been falsely attributed to me. Balance Reported : {$360.00}. Reviewing account on credit bureaus there are so many inaccurate and inconsistent reporting. Despite my efforts to dispute these errors directly with the credit bureaus, they have failed to correct or verify the inaccurate information. TransUnion reports this account as Collection, while Experian lists it as Open Account, Discrepancies in Date Opened-TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX, Conflicting Last Active Dates : TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX, Past Due Balance Discrepancy : TransUnion does not list a past due amount., Experian lists a past due balance of {$360.00}, Conflicting Payment History Reporting : TransUnion does not list any payment history codes. Experian marks the account as " CO ( Charge Off ) '' for multiple months, creating a misleading report. 
I request that the CFPB investigate Experian and TransUnion for failing to uphold their obligations under the FCRA. Additionally, I ask that the CFPB ensure these inaccuracies are corrected or removed from my credit report if the credit bureaus can not verify them. I have attached supporting documents, including copies of 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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian and TransUnion for inaccurately reporting a fraudulent and inaccurate reporting of an unauthorized account from XXXX XXXX XXXX ( XXXX )/ Original Creditor : XXXXXXXX XXXX XXXX on my credit file. I have never opened, authorized, or had any relationship with this creditor, yet this account has been falsely attributed to me. Balance Reported : {$360.00}. Reviewing account on credit bureaus there are so many inaccurate and inconsistent reporting. Despite my efforts to dispute these errors directly with the credit bureaus, they have failed to correct or verify the inaccurate information. TransUnion reports this account as Collection, while Experian lists it as Open Account, Discrepancies in Date Opened-TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX, Conflicting Last Active Dates : TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX, Past Due Balance Discrepancy : TransUnion does not list a past due amount., Experian lists a past due balance of {$360.00}, Conflicting Payment History Reporting : TransUnion does not list any payment history codes. Experian marks the account as " CO ( Charge Off ) '' for multiple months, creating a misleading report. 
I request that the CFPB investigate Experian and TransUnion for failing to uphold their obligations under the FCRA. Additionally, I ask that the CFPB ensure these inaccuracies are corrected or removed from my credit report if the credit bureaus can not verify them. I have attached supporting documents, including copies of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
Subject : Formal Dispute Demand for Permanent Deletion of Accounts Under FCRA & Federal Law Dear Equifax Consumer Assistance, I am formally disputing the following accounts on my Equifax credit report and demand their immediate and permanent deletion under my rights granted by the Fair Credit Reporting Act ( FCRA ) and federal consumer protection laws : XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX  {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX  {$740.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$3100.00} Legal Basis for Deletion 31 U.S.C. 5118 Legal Tender Laws This statute establishes that no one can be forced to accept a particular form of payment, reinforcing that all alleged debts must be properly validated and legally enforceable before being reported to a credit bureau. If these creditors can not prove a lawful obligation under this statute, these accounts must be removed immediately.

15 U.S.C. 1681b Permissible Purpose for Reporting Under this provision, consumer reporting agencies may only report accounts that have a permissible purpose. If these accounts were inaccurately reported, unverifiable, or obtained without proper authorization, they must be deleted from my credit file.

15 U.S.C. 1681i Reinvestigation of Disputed Information Equifax is legally required to conduct a thorough reinvestigation of any disputed information and delete any unverifiable or inaccurate ac
counts. These accounts are erroneously reported and must be removed.

Demand for Immediate Action I demand that Equifax take the following actions immediately : 1. Permanently delete the six disputed accounts from my credit report.

2. Provide written confirmation that these accounts have been removed.

3. Cease any further reporting of these accounts to my credit profile.

Failure to Comply If Equifax fails to correct this inaccurate reporting, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office for violations of my FCRA rights.

Pursue legal action under 15 U.S.C. 1681n and 1681o for Equifaxs willful and negligent noncompliance with federal law.

This inaccurate reporting is severely damaging my credit profile and financial stability. I expect immediate corrective action and a written response within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. 
XXXX XXXX Acct # XXXX, Bal- {$1900.00}, XXXX XXXX- Acct # : XXXX, Bal- {$2300.00}, XXXXXXXX XXXX XXXX- Acct # XXXX, Bal- {$2400.00}, XXXX XXXX XXXX- Acct # XXXX, Bal- {$9700.00}, XXXX XXXX XXXX-Acct # : XXXX, Bal- {$500.00}, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
My personal information was exposed in a data breach. These accounts do not belong to me. 
XXXX XXXX Acct # XXXX, Bal- {$1900.00}, XXXX XXXX- Acct # : XXXX, Bal- {$2300.00}, XXXXXXXX XXXX XXXX- Acct # XXXX, Bal- {$2400.00}, XXXX XXXX XXXX- Acct # XXXX, Bal- {$9700.00}, XXXX XXXX XXXX-Acct # : XXXX, Bal- {$500.00}, 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 2025-03-25 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF Items TO BE REMOVED 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 XXXX XXXX XXXX XXXXXX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX due to inaccurate information as well as hardship due to the XXXX pandemic. Experian did not accurately investigate nor follow up with the results of the investigation. I was recently notified that the CFPB has filed a lawsuit against Experian for permitting unreliable information, & failure to notify consumer dispute results & I believe this aligns with my situation. Experian has not thoroughly attempted to remove or correct any information on the dispute nor inquire about additional information that could prove my case. I'm requesting this derogatory remark be removed as it is affecting my financial circumstances. Experian has violated my rights as a consumer as well as laws on a federal level.

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