vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
I have submitted all necessary documentation for permanent XXXX discharge and received an email that everything has been received in early XX/XX/year>. Also noted that the application would be processed in 30 days. Ive called and been told its still waiting for review ( 4 months later ) and to keep waiting. 
Now my student loans have been fraudulent accessed by DOGE without my permission, a violation of my MPN contract for these loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft 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 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy and legality of the student loan account ( s ) listed below on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). 

Account Name : XXXX XXXX This account involves educational financial information that is protected under FERPA, which limits disclosure of personally identifiable information from my education records without my explicit, written consent. I am concerned that my educational loan information may have been reported or shared with your agency without proper authorization or in violation of FERPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-01 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-01 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: FL

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/year>, I sent vis USPS 3 certified mailed letters to the companies listed below asking for chain of ownership of the alleged debt. I have proof of pick-up date, and I then received a text message on XX/XX/XXXX, for one of the alleged debts with a new debt collector in the text. Also, the alleged debt collector reported to the credit bureau that the debt is current. 

LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 
( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional informationAs part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I have proof of the account 's previous removal, including briefly describe the proof, e.g., " a letter from your bureau confirming the account was deleted '' or " a prior credit report showing the account was not listed.

Under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts/ inquiresXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Monterey Financial Services LLC
State: ID

Complaint narrative:
My fiance payed for a Career Step account with my credit card. After she signed a contract with hidden text, she tried later to cancel the account and they refused but banned her account and continued to charge me anyways. We have reached out several times to get our money back or have our debt canceled but they have refused and have instead tried to send me to collections. I did not sign the contract and they lied to her regarding the contract she signed. We just want our debt forgiven so we dont have to pay for the account she has no access to and hasnt had access to not long after we started paying for it. Career Step has gotten even sneakier since being sued by the government FTC and has since started hiding the things they were sued for in their contracts instead of simply rectifying them. We wish the debt to be forgiven and for Career Step to leave us alone, as they have been harassing us but still wont help us on the matter of the {$3000.00} in debt they demand from us but refuse to give us the resources they offered us, that she signed a contract for. I have, since finding out about the lawsuit, have since canceled that credit card but they are demanding that we continue paying even though they have been caught in a lie and scandal. We have been seeking help to delete this debt in order to carry on without fear of debt collection due to fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formal demand for the immediate correction of my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., which mandates that all information on a consumers credit report must be accurate, verifiable, and complete. This includes personal identifiers such as names and addresses.

I hereby demand that you permanently remove all inaccurate and outdated personal information from my credit report, including but not limited to : Any names or aliases that do not match my legal name : [ Insert Legal Name ] Any addresses other than my current and sole address : [ Insert Current Address ] Maintaining inaccurate personal information is a direct violation of FCRA 1681e ( b ), which requires that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. You are also required to conduct a reinvestigation of any disputed item under FCRA 1681i ( a ) ( 1 ), within 30 days of the dispute. 

The continued inclusion of incorrect names and addresses not only violates federal law but hampers my ability to secure credit for the purpose of home ownership and business operations. This constitutes an unlawful interference in commerce, which the FCRA and the Federal Trade Commission ( FTC ) have deemed a violation of consumer rights. 

Further, if your agency fails to remove this inaccurate information, you may be held liable for willful noncompliance under FCRA 1681n and negligent noncompliance under FCRA 1681o, both of which allow for actual damages, statutory damages, punitive damages, and attorneys fees. Interfering with my right to access financial services as a result of your inaccurate reporting can also be considered a form of tortious interference in commerce and business under common law and could give rise to further legal actions. 

Let this letter serve as a final notice. If you do not correct my file and confirm these corrections in writing within 30 calendar days of receipt of this notice, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and initiate legal proceedings for damages under the FCRA and any other applicable consumer protection laws. 

Please send me written confirmation of the deletions and an updated copy of my credit report once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a formal demand for the immediate correction of my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., which mandates that all information on a consumers credit report must be accurate, verifiable, and complete. This includes personal identifiers such as names and addresses.

I hereby demand that you permanently remove all inaccurate and outdated personal information from my credit report, including but not limited to : Any names or aliases that do not match my legal name : [ Insert Legal Name ] Any addresses other than my current and sole address : [ Insert Current Address ] Maintaining inaccurate personal information is a direct violation of FCRA 1681e ( b ), which requires that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. You are also required to conduct a reinvestigation of any disputed item under FCRA 1681i ( a ) ( 1 ), within 30 days of the dispute. 

The continued inclusion of incorrect names and addresses not only violates federal law but hampers my ability to secure credit for the purpose of home ownership and business operations. This constitutes an unlawful interference in commerce, which the FCRA and the Federal Trade Commission ( FTC ) have deemed a violation of consumer rights. 

Further, if your agency fails to remove this inaccurate information, you may be held liable for willful noncompliance under FCRA 1681n and negligent noncompliance under FCRA 1681o, both of which allow for actual damages, statutory damages, punitive damages, and attorneys fees. Interfering with my right to access financial services as a result of your inaccurate reporting can also be considered a form of tortious interference in commerce and business under common law and could give rise to further legal actions. 

Let this letter serve as a final notice. If you do not correct my file and confirm these corrections in writing within 30 calendar days of receipt of this notice, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and initiate legal proceedings for damages under the FCRA and any other applicable consumer protection laws. 

Please send me written confirmation of the deletions and an updated copy of my credit report once the corrections have 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 2025-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: FL

Complaint narrative:
The company reported me to credit Bureau for a debt from 6 years ago, that I have never been a part of. Stafford group and associates is the collection company that posted the debt on my credit report even though I have never received any notification for any debt from them before. I have never used XXXX XXXX XXXX, which is the debt they are trying to collect for. I never bought the phone they claim I bought from them. I have never visited the store they say I bought it from and never have used XXXX XXXX as my cell phone carrier. 
I don't understand how they can have my information when I have not had any business or any transactions with any of these companies. 

I had the debt removed from XXXX, but I could not get it erased from XXXX. I need help removing this debt because it is not mine and I want to but a house but they will not let me close on the house with this debt. 

If you look this company up it shows that it is known for its fraud.

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