vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in multimillion dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
This is a follow-up to CFPB Complaint # XXXX, submitted on XX/XX/XXXX. MOHELA requested more time and was granted an extension through XX/XX/XXXX. As of XX/XX/XXXX, they have failed to respond violating CFPBs complaint resolution process. 

I am owed a {$130000.00} refund tied to a Borrower Defense discharge ( Sweet v. Cardona ). MOHELA recorded this refund as an internal adjustment on XX/XX/XXXX, but never disbursed the funds to me. They later claimed that the refund came from the school but I contacted the school directly and confirmed this was false. The school never issued any such refund to MOHELA. 

On XX/XX/XXXX, MOHELA also recorded a {$2400.00} refund adjustment and stated it would be paid to me. That refund was never issued either. 

I have reason to believe additional refund amounts may have been received and applied by MOHELA without disbursing them to me, and they have refused to provide a full account history or reconciliation. 

Their representatives have misled me multiple times, including falsely stating that the Department of Education had paused all discharges which was directly contradicted by the Department itself. 

MOHELA has refused to cooperate, failed to provide documentation, and now missed the required CFPB response deadline. Their actions have caused financial harm, emotional distress, and demonstrate a clear pattern of noncompliance and bad faith.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-01 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: KS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NV

Complaint narrative:
I filed a second dispute with experian providing legal documents relieving me of the debt. Experian is not reading legal settlement documents that relieve me of the debt to Credit Security acceptance. Settlement agreement under Recital, Part D, paragraph 3, Relieves all parties of rights, liablities and obligations relating to the law suit and the sale and financing of the 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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate information being reported by MOHELA on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information that I believe to be inaccurate, incomplete, or unverifiable.

Under the FCRA : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) mandates that furnishers of information must not report information that they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) requires that once a consumer disputes information with a credit reporting agency , the furnisher must conduct a reasonable investigation, correct any inaccuracies, and report the results to all consumer reporting agencies to which the inaccurate information was provided. 

Continued reporting of inaccurate information after being notified constitutes willful noncompliance and may subject MOHELA to damages under 15 U.S.C. 1681n and 1681o.

I request that you : 1. Investigate and correct the inaccurate information on my credit report. 
XXXX. Provide written confirmation of the investigation results and any actions taken. 
XXXX. Cease reporting any inaccurate or unverifiable information to the credit reporting agencies. 


Please respond to this dispute within the required XXXX timeframe as specified by law. If this issue is not resolved, I am prepared to file formal complaints with the Federal Trade Commission and my State Attorney Generals office, and pursue legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I want all negative and derogatory information deleted off my credit before I sue.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I want all negative and derogatory information deleted off my credit before I sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am the victim of identity theft, and a fraudulent {$1700.00} charge was made to my credit card at the XXXX XXXX at the XXXX at XXXX XXXX XXXX, FL ). 

The original dispute was mishandled by Bank of America, as they incorrectly included valid charges in the fraud claim. When I corrected this and filed a second claim on XX/XX/XXXX, they refused to re-investigate the fraudulent charge, citing the first claim. 

The person who made the purchase used my name and card, but had the item shipped or picked up at a different address using what I believe to be a fake photo ID. I have filed a formal Identity Theft Report with the FTC, contacted XXXX to confirm the store pickup and details, and provided all relevant documentation. 

I am now being held liable for this unauthorized charge, despite strong evidence of identity theft. I am requesting that Bank of America re-open and properly investigate the dispute, and that the charge be removed from my account.

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 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing a formal complaint against Midland Credit Management ( MCM ) for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year> I sent a written dispute letter to Midland Credit Management Inc. via postal mail, requesting validation of a debt they claim I owe. This request was made within the XXXX period as allowed under the FDCPA. 
Today on XX/XX/year> at XXXX pm, I received a phone call from a representative of MCM. During the call, I was directed to visit their website to " see that I had an account with them. '' I informed the representative that I had already submitted a formal dispute and requested validation, and that they should not be contacting me until they have responded to that request. 
To date, I have not received any proper debt validation as required by the FDCPA. Despite this, MCM has resumed collection activity by contacting me directly by phone. This is a clear violation of : FDCPA XXXX XXXX XXXX XXXX ( b ) which requires debt collectors to cease collection activities until the debt has been validated. 
FCRA if they are reporting unverifiable or disputed debt to the credit bureaus without resolving the dispute. 
Their attempt to use a phone call and website as a form of validation is inadequate and non-compliant with federal consumer protection laws. 
What I Am Requesting : That Midland Credit Management immediately cease all collection efforts until they provide legally compliant debt validation. 
That they be required to provide written validation, including the name of the original creditor, a detailed accounting of the debt, and evidence that I am legally obligated to pay it. 
If they can not validate the debt, I request that they remove all references to it from my credit reports and cease further contact. 
I am attaching copies of my original dispute letter and proof of certified mailing ( if applicable ). 
Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In violation of us code15USC1681 derogatory items placed on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX/XXXX XXXX Balance : {$0.00} XXXX/XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX/XXXX XXXX Balance : {$0.00} XXXX/XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 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 XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect XXXX XXXX XXXX XXXX XXXX XXXX Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within XXXX business days

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 2025-07-01 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: MI

Complaint narrative:
On XX/XX/year>, I received a response from the credit reporting agencies indicating that XXXX XXXX verified the account in question. However, this verification is completely inaccurate and does not reflect the true status of the account. The information being reported is false, misleading, and damaging, and XXXX XXXX has failed to provide any substantive documentation to validate or support the continued reporting of this account.

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 2025-07-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, multiple fraudulent accounts were opened using my personal information without my authorization. I first discovered the identity theft in XX/XX/XXXX after reviewing my credit report and noticing unfamiliar accounts and charges. 

A credit card account was fraudulently opened with JPMCB Card Services in XX/XX/XXXX, with a balance of {$6800.00}. A second account was opened with XXXX XXXX XXXX in XX/XX/XXXX, showing a balance of {$440.00}. In addition, fraudulent auto loan and lease accounts were created with XXXX XXXX XXXX ( opened in XX/XX/XXXX for {$290.00} ) and XXXX XXXX XXXX ( opened in XX/XX/XXXX for {$600.00} ). 

I did not open, authorize, or benefit from any of these accounts. As soon as I became aware of the activity, I filed this identity theft report with the FTC, contacted the credit reporting agencies, and began taking steps to secure my identity and dispute the fraudulent charges.

This situation has caused me financial and emotional hardship, and I am requesting assistance in blocking and removing these accounts from my credit report and ensuring no further harm is done.

Company response to consumer: Closed with non-monetary relief