vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Experian [ XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Closed Accounts Request for Removal Dear Experian, Dispute Department, I am writing to formally dispute the presence of three closed accounts on my credit report that are inaccurately affecting my credit profile. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been closed, yet they remain on my credit report in a manner that is misleading and causing unnecessary harm to my creditworthiness. Under 15 U.S. Code 1681o, I have the right to seek damages for negligent non-compliance with the Fair Credit Reporting Act ( FCRA ), and I believe your reporting of these accounts is in violation of my rights. 

I formally request that you investigate and remove these closed accounts from my credit report immediately. Failure to properly investigate and correct this issue may result in further legal action, including claims for actual damages, attorneys fees, and any other remedies available under federal law.

Please provide written confirmation within 30 days of this letter detailing the actions taken to resolve this dispute. I have attached a copy of my credit report highlighting the disputed accounts for reference. 

I appreciate your prompt attention to this matter and look forward to your timely 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 2025-02-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX I am writing to dispute inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the Fair Credit Reporting Act and request a through investigation into these inaccuracies as required by law. 

I mailed dispute letters to Experian and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that all resulted in inadequate investigations. 

Recently the XXXX filed a lawsuit against Experian for failure to properly investigate legitimate consumer disputes, citing " sham investigations " and other unlawful practices. These illegal practices as outlined by the CFPB included : 1. Conducting inadequate investigations that fail to address consumer disputes properly.

2. Reinserting previously disputed and inaccurate information.

3. Failing to notify consumers about investigation results.

4. Failing to perform investigations at all by sending " stall letters " to customers questioning the validity of the disputes. 

I believe I am a victim of these allegations. I received several letters from Experian ( I will attach one to this complaint ) questioning if disputes I sent tot hem were actually sent by myself and requesting me to call and 800 number. when calling the 800 number they took my information but did absolutely nothing in regards to my requested disputes and never even mailed me a denial letter on behalf of my disputes. 

These practices highlight systemic issues by the credit reporting agencies that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on my credit reports. 

I am concerned that any future disputes I make on my behalf will also be addressed in a similar manner hence my complaint to the CFPB. 

Sincerely 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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in a several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report within 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent and further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
After carefully reviewing my credit report and seeing as though my credit has been exposed through several breaches and has not been carefully reviewed for accuracy. I am not liable for the debt amount of XXXX with XXXX XXXX account number XXXX I do not have a contract with I do not have a contract with XXXX XXXX, they did not provide me with the method of verification or purchase agreement showing that this account belongs to me. According to the FCRA 15 USC 1681i. They must provide me with documentation that this debt belong to me.

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 2025-02-01 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: EQUIFAX, INC.
State: MS

Complaint narrative:
After carefully reviewing my credit report and seeing as though my credit has been exposed through several breaches and has not been carefully reviewed for accuracy. I am not liable for the debt amount of XXXX with XXXX XXXX account number XXXX I do not have a contract with I do not have a contract with XXXX XXXX, they did not provide me with the method of verification or purchase agreement showing that this account belongs to me. According to the FCRA 15 USC 1681i. They must provide me with documentation that this debt belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
On XX/XX/year>, I submitted a dispute with Experian requesting the removal of an account from my credit report. I provided a ** '' Cancellation of Debt '' ** form issued by the original creditor, with the **1099-C form dated XXXX. The debt was classified as a **charged-off account**, and I inquired whether Experian would remove it from my file. After conducting an " investigation, '' Experian responded just **four days later, on XX/XX/XXXX, XXXX, merely " updating '' the information without making any actual changes. Despite the documentation provided, they did not remove the account from my 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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Approximately 4 days ago I set up a cash app account!! I was able to buy {$800.00} XXXX  before they did the identity myself through there system!! Ive spent at least 10 hours going back an forth with representatives an spoke with at least 10 representatives!! That can't seem to help me in the identity myself section but they let me buy {$800.00} in XXXX  before I finished my identity process do you see any problems with this situation!! I feel like I'm being held hostage I want my money back or I want to finish the identity myself process!!! How can a company allow me to buy {$800.00} in XXXX  without first identifying me!! My cash app ID is XXXX XXXXXXXX that is my personal account to identity myself!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XX/XX/XXXX Dear Experian/TransUnion, I recently reviewed my credit report and noticed that the following charged-off account is still reporting a balance, which I believe to be inaccurate : Account Name : XXXX XXXX XXXX Original Creditor : The View at XXXX XXXX Account number XXXX XXXX Date of Charge-Off : XX/XX/XXXX Reported Balance : {$8000.00} Original Balance : {$6900.00} Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX Account number : XXXX Date of Charge-Off : XX/XX/XXXX Reported Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account number : XXXX Date XXXX Charge-Off : XX/XX/XXXX Reported Balance : {$13000.00} Account Name : XXXX XXXX XXXX  XXXX XXXX Account number : XXXX Date of Charge-Off XXXX XX/XX/XXXX Reported Balance : {$95.00} Account Name : XXXX XXXX XXXX Account number : XXXX  Date of Charge-Off : XX/XX/XXXX Reported Balance : {$80.00} Account Name : XXXX XXXX Account number : XXXX Date of Charge-Off : XX/XX/XXXX Reported Balance : {$250.00} According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. If this account was sold to a debt collection agency, which it has, the original creditor MUST report a {$0.00} balance, as they no longer own the debt. If they still own the debt, I request written verification of this balance, including : 1. Documentation proving the original creditor still owns the debt and can legally report a balance.

2. Proof that the balance reported is correct and consistent with the terms of the original agreement.

3. If the debt was sold, the name and contact information of the entity now responsible for it. 

If this account can not be verified, I request its immediate correction or deletion from my credit file. I have attached a copy of my driver 's license and proof of address to verify my identity. 

Please conduct a thorough and accurate investigation on all of these listed accounts and respond within 30 days, as required under the FCRA. Thank you for your prompt attention to this matter. 

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 2025-02-01 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: AZ

Complaint narrative:
I have sent multiple dispute letters to Experian regarding inaccurate information on my credit report. Despite providing evidence, Experian has failed to comply with their legal obligation under the Fair Credit Reporting Act ( FCRA ) : Specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 

I became aware of the lawsuit filed by the CFPB against Experian regarding investigations of Credit Report Errors, and according to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. 

Experian 's failure to comply with these laws has caused harm to my credit worthiness, my access to credit, as well as housing opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
I have been on the PAYE plan since XXXX for my graduate school loans and switched to the SAVE plan for income driven repayment ( IDR ) in XX/XX/XXXX. I began a full time position that qualified for Public Service Loan Forgiveness ( PSLF ) in XXXX XXXX in order to make payments under PSLF , your loans need to be consolidated and you need to be on an IDR plan. My loans were not consolidated at the time but I have always been on an IDR plan. Per the Dept of Ed recommendations now that I qualified for PSLF, I consolidated my loans which my servicer Mohela processed in XX/XX/XXXX which then automatically moved me from my SAVE IDR plan to a standard repayment plan. I had also applied multiple times in XX/XX/XXXX to switch my IDR plan from SAVE to IBR, which did not go through as they were processing the consolidation of my loans. I was able to successfully apply for IDR on XX/XX/XXXX and received a confirmation email from Mohela that they were processing my application. I am now receiving a bill from Mohela for over {$1200.00} under a standard repayment plan that is due on XX/XX/XXXX, which I can not afford this payment as I have never been on a standard repayment plan and was only put on one when I consolidated my loans per the rules and regulations of the US Dept of Ed. I have requested from Mohela multiple times to either process my IDR application or apply the processing forbearance, as I was supposed to be switching from the SAVE plan to another IDR plan, and not put on a standard repayment plan. Mohela has done neither of these things and has failed to respond appropriately to my messages and requests. I have been on hold with Mohela for hours with wait times of 3-4 hours with no resolution. Again, I am unable to make these payments under a standard repayment plan and Mohela has refused to process my IDR application and has also not placed my consolidated loan in forbearance as it works on processing applications. Mohela offers no other solutions to this problem and I know many people are having the same difficult experiences with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
on XX/XX/XXXX of XXXX  I requested that Equifax provide me with the method the used in validating the accounts listed in the attachment and they had 5 days according to the FRCA to provide those responses and they never responded. its been more than a month and still no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
he account starts with XXXX can't see the whole account number this was for XXXX XXXX they took the car and sold for the car but is still asking me to pay XXXX knowing they have already gotten the full amount for the car this is for all three-credit agency i have been putting in dispute for XXXX, TransUnion, and XXXX for years I've also ask for supporting information for them to do an thorough investigation this practice violates the fair credit reporting act FCRA 15 u.s.c 1681 which mandates a reasonable investigation of disputes, furthermore XXXX, XXXX, TransUnion action may have contravene the consumer financial protection act CFPB 12 u.s.c 5536 a-b as highlighted in the CFPB administrative proceeding file no-2025-cfpb-0002 against them for similar violation, I request the CFPB to take action to ensure that these credit reporting complies with federal law and provides consumers with the necessary proof of investigation also they have so many inquiry on all credit profile that isn't lint to any account I don't know how this happens in I have asked them foe years to remove them they have not remove anything they have had wrong address and names on my account and list of jobs and income that I didn't give them also phone numbers this have been hurting my credit for years it has cause ongoing harm to my credit standing. these failures align with my experience, where XXXX, XXXX, TransUnion has neither corrected nor removed disputed items despite the evidence my information has also been in the data breach for the last 5 years THERE ARE OTHER ACCOUNTS THATS ON MY CREDIT THAT WAS SOLD TO SO MANY COLLECTIONS AGENCY IN THEY WERE PAID BUT STILL ON MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
he account starts with XXXX can't see the whole account number this was for XXXX XXXX they took the car and sold for the car but is still asking me to pay XXXX knowing they have already gotten the full amount for the car this is for all three-credit agency i have been putting in dispute for XXXX, TransUnion, and XXXX for years I've also ask for supporting information for them to do an thorough investigation this practice violates the fair credit reporting act FCRA 15 u.s.c 1681 which mandates a reasonable investigation of disputes, furthermore XXXX, XXXX, TransUnion action may have contravene the consumer financial protection act CFPB 12 u.s.c 5536 a-b as highlighted in the CFPB administrative proceeding file no-2025-cfpb-0002 against them for similar violation, I request the CFPB to take action to ensure that these credit reporting complies with federal law and provides consumers with the necessary proof of investigation also they have so many inquiry on all credit profile that isn't lint to any account I don't know how this happens in I have asked them foe years to remove them they have not remove anything they have had wrong address and names on my account and list of jobs and income that I didn't give them also phone numbers this have been hurting my credit for years it has cause ongoing harm to my credit standing. these failures align with my experience, where XXXX, XXXX, TransUnion has neither corrected nor removed disputed items despite the evidence my information has also been in the data breach for the last 5 years THERE ARE OTHER ACCOUNTS THATS ON MY CREDIT THAT WAS SOLD TO SO MANY COLLECTIONS AGENCY IN THEY WERE PAID BUT STILL ON MY 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 2025-02-01 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: GA

Complaint narrative:
my personal data has been compromised. I have contacted XXXX, Equifax and XXXX but no resolution has been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
my personal data has been compromised. I have contacted XXXX, Equifax and XXXX but no resolution has been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: IN

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, TX XXXX Re : Request for Debt Validation account number : XXXX Original Account Number : XXXX Dear Sir/Madam, I am writing to request validation of the debt that you are attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you provide me with verification of the debt and evidence that

you have the legal right to collect on it. Please provide me with the following information : 1. The f
ull name and address of the original creditor associated with the debt.

2. The amount of the debt, including a breakdown of any interest, fees, or other charges.

3. Documentation or a copy of the original signed agreement or contract that created this debt, including any amendments or updates.

4. Proof of your authorization to collect this debt, including any assignment or transfer of the debt to your company.

5. A detailed payment history, showing any payments or adjustments made to the debt. 
Please consider this letter as a formal request to validate the debt. As required by law, until you provide the requested validation, you must cease all collection efforts on this account, including reporting to credit bureaus. 
I would appreciate a prompt response to this request. If you fail to provide the required documentation, I will consider the debt in dispute, and I expect all collection activities to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation