vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: ID

Complaint narrative:
I have submitted several complaints to both Mohela, my student loan servicer. I have several requests both in writing and by phone requesting assistance with Public Loan Service Forgiveness as well as with the Department of Education and Federal Student Aid. 

None of the above have provided any assistance with this. I have submitted several forms confirming I meet the criteria for PSLF.

I work full time as a Nurse Practitioner for a non profit, health care organization.

Neither DoED nor FSA nor Mohela has provided any assistance. I have made several complaints and asked for review of my submitted forms for loan forgiveness under PSLF as I met criteria in XXXX. I am up to date on all my student loan payments and now in overpayment!!! They will not acknowledge this, have not provided any assistance and have " completed multiple PSLF '' forgiveness loan requests even though they have not updated my payment counts! I want assistance to get my money back and loans forgiven for loans meeting forgiveness as they are all unsubsidized loans and I have not missed any payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
For the past 3 months I have been contacting TransUnion about my credit report that they are reporting to Insurance companys. Everytime i call I get the robot and I get hung up on. My question is what does my credit report have to do with my car insurance. I have never been in a wreck ( Car Accident ) nor have I ever been pulled over for anything. I have a wonderful driving history. Yet because of TransUnion Credit Reporting tactics my car insurance is so high that I cant afford car insurance payments at all. My car insurance is higher than my car payment. I know people with DUIs and Other major driving violations that are not pay 1/3 of what I am paying with multiple vehicles. I dont own any luxury vehicles at all. I have called and called and everytime I call its always a robot that cant understand me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it hard to get help with this matter. All I want to know is what are they reporting on my credit report that has driven my insurance so high. Its with every insurance company I have applied to I get the same thing.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX I started receiving unsolicited calls from XXXX XXXX XXXX XXXX XXXX  ( new collection agency ), I explained I wasn't sure what either one was talking about, and please stop contacting me. That my information and credit reports was part of a MAJOR Breach here in Texas. I request from each Bureau EXPERIAN, XXXX and XXXX to remove this information because I don't have any knowledge of this account, AND or send information with my signature, proof of residency at that location, and to no avail they did not and ALSO, they added stuff to my report that is not true.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Disputing Inaccurate Information On Credit Report I am writing to dispute the following accounts based on factual discrepancies. 
I am demanding, under federal law, that these accounts be investigated thoroughly. 
Under my rights of the Fair Credit Reporting Act, I am entitled to a fair and thorough investigation and all accounts reported must be complete and accurate. Any account that can not be verified must be deleted immediately, as stated in federal law. I will be notifying the CFPB that I have not been allowed my rights to a fair and quick investigation process if no action is taken and these errors are not corrected and deleted, promptly. 
Acct 1 : XXXX XXXX XXXX Is reporting an account that has been recycled and is well over 7 years old since delinquent. 
The open date is incorrect as it is not even consistent with what other CRAs are reporting. How can I have different opening dates for the same account? Also, no notice of debt collection was sent to my address on file for my right to validate this debt, which is another violation of federal law under the Fair Debt Collection Practices Act. 
Acct 2 : XXXXXXXX XXXX How can a charge off account not show an accurate payment history? Accounts show a different payment history on different CRAs. How is it possible to have an account charged off and never be 30/60/90 days late? Account also has an inaccurate open and close date. 
Acct 3 : XXXX XXXX XXXX Is not showing an accurate payment history, nor, is it reporting a correct balance. Other CRAs are reporting a different balance. How can a charge off have no late payment history? 
I would like for these to be removed 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 non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Disputing Inaccurate Information On Credit Report I am writing to dispute the following accounts based on factual discrepancies. 
I am demanding, under federal law, that these accounts be investigated thoroughly. 
Under my rights of the Fair Credit Reporting Act, I am entitled to a fair and thorough investigation and all accounts reported must be complete and accurate. Any account that can not be verified must be deleted immediately, as stated in federal law. I will be notifying the CFPB that I have not been allowed my rights to a fair and quick investigation process if no action is taken and these errors are not corrected and deleted, promptly. 
Acct 1 : XXXX XXXX XXXX Is reporting an account that has been recycled and is well over 7 years old since delinquent.

The open date is incorrect as it is not even consistent with what other CRAs are reporting. How can I have different opening dates for the same account? Also, no notice of debt collection was sent to my address on file for my right to validate this debt, which is another violation of federal law under the Fair Debt Collection Practices Act. 
Acct 2 : XXXXXXXX XXXX How can a charge off account not show an accurate payment history? Accounts show a different payment history on different CRAs. How is it possible to have an account charged off and never be 30/60/90 days late? Account also has an inaccurate open and close date. 
Acct 3 : XXXX XXXXXXXX XXXX Is not showing an accurate payment history, nor, is it reporting a correct balance. Other CRAs are reporting a different balance. How can a charge off have no late payment history? 
I would like for these to be removed from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAB, INC.
State: TX

Complaint narrative:
I last went to XXXX XXXX over two years ago ONLY for an XXXX  in which they told me my insurance covered it and I was good to go. Months later they called saying I owed {$40.00} in which I called and asked what they were talking about, they said it was a mistake on their end and removed the amount. I do not know why I am being charged {$96.00}. This was never brought to my attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I have a collection claim from both, ASSETCARE , LLC. and XXXX XXXX XXXX XXXX. Same date of service, and total amount of {$1700.00}, attempted to be collected. Now, keep in mind I have disputed through XXXX, previously. I disputed 3 charges of duplicates. The other 2 disputed collections were from, again, ASSETCARE , LLCXXXX  and CAPIO PARTNERS. The results from the other 2 collections were that, I owe CAPIO PARTNERS. ASSETCARE , LLC. were removed from my credit report. But, why do I still have XXXX and ASSETCARE , LLC. left? I don't trust to pay any collection to any one of them, at this point, if I'm being completely honest! I feel as if they either one, sold my collections to a 3rd party, and/or ... A fraud. Some guidance, understanding, resolution, and closure of this situation would amazing! Not only for me, but anyone else, dealing with similar situations! 

Thank you for taking time to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reviewed my consumer report and still noticed that I had charge off on an account that I never made delinquent. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been in debt for account ( XXXX ) ( XXXX ) Please investigate and provide proof with statements showing that these accounts was in delinquencies or never been paid. If proof can't be provided I demand these charged off be updated to on time as they should be as NEVER late. I need to remove this charge off account from my credit report this is my fourth time requesting these problems and made several disputes with Equifax and now them want to place this for 7 years more in my report, this situation don't let me move forward in my financial goals that by law they suppose fix as soon as possible, please take action in this matter thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NJ

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of imitations. You failed to investigate this account properly and your neglect has violated my nights. I gave you guys two chances to investigate this account and it still has factual errors. I am now demanding a deletion to, the following account : 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 2025-01-05 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:
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Has violated my rights I looked at my Experian report on XX/XX/year>, 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 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 

( A ) In general, after any reinvestigation under paragraph ( 1 ) 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 the 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.

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 2025-01-04 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.

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