vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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:
discovered that a fraudulent credit card account was opened with XXXX XXXX using my personal information without my consent. This fraudulent activity constitutes identity theft, as I did not authorize or initiate the application for this credit card. 

Upon noticing this issue, I immediately contacted XXXX XXXX to notify them of the fraud. I also took steps to safeguard my personal information, including filing a report with the Federal Trade Commission ( FTC ) and placing a fraud alert on my credit file. However, I am concerned about the handling of this situation, the impact on my credit report, and the potential misuse of my personal information. 

I am requesting the following actions from XXXX XXXX and the CFPB : 1. Immediate closure of the fraudulent account.

2. Confirmation in writing that I am not responsible for any charges or activity on the fraudulent account.

3. Removal of any negative impact on my credit report resulting from this fraudulent account.

4. A thorough investigation into how my personal information was used to open this account.

This fraudulent account has caused me significant distress and concern over the security of my personal information. I respectfully request the CFPBs assistance to ensure that XXXX XXXX takes the necessary corrective actions and addresses this issue promptly and fairly.

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 2025-01-23 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:
discovered that a fraudulent credit card account was opened with XXXX XXXX using my personal information without my consent. This fraudulent activity constitutes identity theft, as I did not authorize or initiate the application for this credit card. 

Upon noticing this issue, I immediately contacted XXXX XXXX to notify them of the fraud. I also took steps to safeguard my personal information, including filing a report with the Federal Trade Commission ( FTC ) and placing a fraud alert on my credit file. However, I am concerned about the handling of this situation, the impact on my credit report, and the potential misuse of my personal information. 

I am requesting the following actions from XXXX XXXX and the CFPB : 1. Immediate closure of the fraudulent account.

2. Confirmation in writing that I am not responsible for any charges or activity on the fraudulent account.

3. Removal of any negative impact on my credit report resulting from this fraudulent account.

4. A thorough investigation into how my personal information was used to open this account.

This fraudulent account has caused me significant distress and concern over the security of my personal information. I respectfully request the CFPBs assistance to ensure that XXXX XXXX takes the necessary corrective actions and addresses this issue promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: PA

Complaint narrative:
discovered that a fraudulent credit card account was opened with XXXX XXXX using my personal information without my consent. This fraudulent activity constitutes identity theft, as I did not authorize or initiate the application for this credit card. 

Upon noticing this issue, I immediately contacted XXXX XXXX to notify them of the fraud. I also took steps to safeguard my personal information, including filing a report with the Federal Trade Commission ( FTC ) and placing a fraud alert on my credit file. However, I am concerned about the handling of this situation, the impact on my credit report, and the potential misuse of my personal information. 

I am requesting the following actions from XXXX XXXX and the CFPB : 1. Immediate closure of the fraudulent account.

2. Confirmation in writing that I am not responsible for any charges or activity on the fraudulent account.

3. Removal of any negative impact on my credit report resulting from this fraudulent account.

4. A thorough investigation into how my personal information was used to open this account.

This fraudulent account has caused me significant distress and concern over the security of my personal information. I respectfully request the CFPBs assistance to ensure that XXXX XXXX takes the necessary corrective actions and addresses this issue promptly and fairly.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX reporting wrong and Trans Union information reporting wrong and information reporting wrong on my credit profile

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 2025-01-23 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: MI

Complaint narrative:
XXXX information reporting wrong and XXXX XXXX information reporting wrong and information reporting wrong on my credit profile

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 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, I am writing as part of a collective group of defrauded students and alumni who attended XXXX-affiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

I am asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving me unable to move forward with my life. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

I implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, A XXXXXXXX XXXX XXXXXXXX of a XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
Experian has neglected its legal duty under the FCRA to conduct a thorough and reasonable reinvestigation of disputed information on my credit report, resulting in the persistence of inaccuracies and unverifiable accounts. The CFPB has recently filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, relying on unreliable responses, and failing to properly inform consumers of dispute outcomes. These issues mirror my own experience, as Experian has neither corrected nor removed the disputed items. I am requesting immediate corrective action to either amend or remove the disputed account, as Experian 's inaction constitutes a violation of federal law and infringes on my rights 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 2025-01-23 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:
I am writing to address significant inaccuracies on my credit report and to formally request compliance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C XXXX. Despite filing a dispute with your agency, it appears that the required re-investigation and resolution process was not followed in accordance with the law. Under the FCRA, you are required to : 1. Conduct a reasonable re-investigation of disputed items and notify the consumer of the results within five business days after completing the re-investigation ( XXXX U.S.C XXXX ( a ) ( 6 ) ( A ) ). 
2. Forward disputes to furnishers in a timely manner ( XXXX U.S.C XXXX ( a ) ( 2 ) ( A ) ). 
3. Ensure the accuracy of the information in the report by implementing reasonable procedures ( XXXX U.S.C XXXX ( b ) ). Unfortunately, my experience indicates that these legal obligations are not fully adhered to. Specifically, the following inaccuracies remain unresolved and require immediate correction : 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 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 As outlined by the FCRA, failure to resolve disputes within the FCRA required time-frame entitles me to request the deletion of the disputed items from my credit report. I request that these items be thoroughly reviewed, and if they can not be verified or corrected, they must be removed immediately to ensure compliance with the FCRA. Should these issues not be resolved promptly, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) and other relevant agencies. I trust that you will address this matter with the urgency it requires and ensure full compliance with federal law. Please provide a written confirmation of the resolution. 

Sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I am writing to address significant inaccuracies on my credit report and to formally request compliance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C XXXX. Despite filing a dispute with your agency, it appears that the required re-investigation and resolution process was not followed in accordance with the law. Under the FCRA, you are required to : 1. Conduct a reasonable re-investigation of disputed items and notify the consumer of the results within five business days after completing the re-investigation ( XXXX U.S.C XXXX ( a ) ( 6 ) ( A ) ). 
2. Forward disputes to furnishers in a timely manner ( XXXX U.S.C XXXX ( a ) ( 2 ) ( A ) ). 
3. Ensure the accuracy of the information in the report by implementing reasonable procedures ( XXXX U.S.C XXXX ( b ) ). Unfortunately, my experience indicates that these legal obligations are not fully adhered to. Specifically, the following inaccuracies remain unresolved and require immediate correction : 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 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 As outlined by the FCRA, failure to resolve disputes within the FCRA required time-frame entitles me to request the deletion of the disputed items from my credit report. I request that these items be thoroughly reviewed, and if they can not be verified or corrected, they must be removed immediately to ensure compliance with the FCRA. Should these issues not be resolved promptly, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) and other relevant agencies. I trust that you will address this matter with the urgency it requires and ensure full compliance with federal law. Please provide a written confirmation of the resolution. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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 not been provided with any documents or information validating that I opened this account. I did not authorize XXXX XXXX to establish this account in my name, and I have not agreed to the charges that are now delinquent. 

According to Section 623 ( b ) of XXXX U.S.C. XXXX ( b ), you were supposed to : 1. Report the results of the investigation to the consumer reporting agency. 
2. If the investigation finds that the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information. 

I have never received any verification that this debt is accurate and belongs to me. Since I have not been provided with proof or evidence that this debt is mine, the appropriate action must be taken. As a result, if the disputed information is incomplete, inaccurate, or unverifiable, it must promptly be addressed for reporting to the consumer reporting agency by either : a. Modifying the item of information, b. Deleting the item of information, or c. Permanently blocking the reporting of that item of information. 

Please update my credit file immediately.e immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I have not been provided with any documents or information validating that I opened this account. I did not authorize XXXX XXXX to establish this account in my name, and I have not agreed to the charges that are now delinquent. 

According to Section 623 ( b ) of XXXX U.S.C. XXXX ( b ), you were supposed to : 1. Report the results of the investigation to the consumer reporting agency. 
2. If the investigation finds that the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information. 

I have never received any verification that this debt is accurate and belongs to me. Since I have not been provided with proof or evidence that this debt is mine, the appropriate action must be taken. As a result, if the disputed information is incomplete, inaccurate, or unverifiable, it must promptly be addressed for reporting to the consumer reporting agency by either : a. Modifying the item of information, b. Deleting the item of information, or c. Permanently blocking the reporting of that item of information. 

Please update my credit file immediately.e 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Debt with XXXX XXXX XXXX XXXX XXXX, principal remaining balance around {$24000.00}. XXXX used the identifying tokens " XXXX '', " XXXX '', and " XXXX ''. I defaulted in approximately XXXX. I started paying on the loan to a 3rd party debt collector the same year and have kept paying until XXXX when collectors stopped contacting me and I could not contact them. 
XXXX reports the debts that seem to match as " {$0.00} '' balance and transferred, but collectors are contacting me again. The information on all XXXX credit reports TransUnion, XXXX, and XXXX appear to be incorrect, and there is no other information showing that I have been paying dutifully for many years. 
I can no longer ascertain from a credit report or a contact from a 3rd party debt collector who if anyone owns this debt and whether I have paid it all or not. I believe that all " XXXX '' listed debts are inaccurate on my credit report at this time except for one showing the partial account number " XXXX '' which I have been paying on regularly through the present to XXXX XXXX 
Because I can no longer ascertain if there is a valid debt owner and I am sure that I have paid the principal balance at this point XXXX years after taking the loans out, and I can not determine how the 3rd party debt collectors found my information, I dispute all " XXXX '' debts listed on my credit reports except as described above with the XXXX account " XXXX '' which has a balance of under {$6000.00} at this time.

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 2025-01-23 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: CA

Complaint narrative:
Debt with XXXX XXXX XXXX XXXX XXXX, principal remaining balance around {$24000.00}. XXXX used the identifying tokens " XXXX '', " XXXX '', and " XXXX ''. I defaulted in approximately XXXX. I started paying on the loan to a 3rd party debt collector the same year and have kept paying until XXXX when collectors stopped contacting me and I could not contact them. 
XXXX reports the debts that seem to match as " {$0.00} '' balance and transferred, but collectors are contacting me again. The information on all XXXX credit reports XXXX, Experian, and XXXX appear to be incorrect, and there is no other information showing that I have been paying dutifully for many years. 
I can no longer ascertain from a credit report or a contact from a 3rd party debt collector who if anyone owns this debt and whether I have paid it all or not. I believe that all " XXXX '' listed debts are inaccurate on my credit report at this time except for one showing the partial account number " XXXX '' which I have been paying on regularly through the present to XXXX XXXX 
Because I can no longer ascertain if there is a valid debt owner and I am sure that I have paid the principal balance at this point XXXX years after taking the loans out, and I can not determine how the 3rd party debt collectors found my information, I dispute all " XXXX '' debts listed on my credit reports except as described above with the XXXX account " XXXX '' which has a balance of under {$6000.00} at this time.

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 2025-01-23 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: MI

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-01-23 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: MD

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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