vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
we have notified BMO by phone and by email over the last 5 months .... BASICALLY THEY KEEP SENDING PAYMENT REQUESTS TO OUR old address and no matter how many times we notify them of what has been our current address FOR OVER 5 MONTHS NOW. they dont process the change.

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 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On several dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I disputed several accounts reporting on my credit that was related to identity theft, ( accounts not mines ) or inaccurate reporting such as incorrect amounts, inaccurate payment history, debt verification of several accounts that is in question. 
I again file multiply disputes via XXXX online dispute center and have not received and validation letter per request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: IL

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-15 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: MI

Complaint narrative:
I would like all reported account removed from XXXX and XXXX of collection and late payment due to my information being exposed Equifax databreach XXXX XXXX XXXX XXXX. 

I should have only one address reported which XXXX XXXX XXXX XXXX Michigan XXXX where I currently reside at

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I contacted XXXX & EQUIFAX that it was not constitutional to report medical debt on credit report and they refused to remove collections XXXX XXXX XXXXXXXX were also contacted about the removal of this debt being reported and removed from my credit report and they failed to comply with the law. Below I have uploaded three XXXX XXXX from my XXXX XXXX EQUIFAX credit reports that are being illegally reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: MD

Complaint narrative:
XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear CFPB and Experian, I am writing to formally 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 thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being report : XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Bankruptcy 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 2025-02-15 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: MD

Complaint narrative:
XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear CFPB and Experian, I am writing to formally 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 thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being report : XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Bankruptcy XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
I spent over 11 hours on hold to Mohela ( call was dropped suddenly after waiting the first 6 hours to only be put on hold again for another 5 hours when I immediately called back ) to be lied to repeatedly despite having multiple pieces of evidence contrary to what I was being told my XXXX, an advanced agent also conversing with her supervisor. I have been trying to get off the SAVE plan since XXXX. I submitted another IDR plan change request to move back to the IBR plan on XX/XX/XXXX. I was calling to be placed on a processing forbearance immediately as I have again been trying to change since XXXX with multiple IDR plan change request forms faxed, submitted to StudentAid.Gov, and then finally directly to Mohela 's website upload multiple times without success. U.S. Department of Education sent an email to all of us confirming that 60 day processing forbearances count towards PSLF, which I also have a letter from Mohela dated XX/XX/XXXX that states that very same thing. Although note, I was not put in a processing forbearance as of XX/XX/XXXX as the letter states. That application was denied. XXXX continued to refuse to move me to a processing forbearance stating there is no difference from the SAVE forbearance and that they have continued to be advised that it does not count towards PSLF. When I presented my multiple pieces of evidence she continued to refuse to listen stating that they have been advised otherwise and that the letter from her own company Mohela was 'poorly worded. ' I spent over 11 hours on hold for nothing but to be lied to and my clear evidence of facts denied. 
I am seeking immediate resolution to be either be put on the XXXX processing forbearance OR to finally process my application to move to the IBR plan that I have been trying to do for over 5 months now. I need this completed immediately and by at least XX/XX/XXXX. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NJ

Complaint narrative:
I am reaching out to formally request the immediate removal of an account listed on my credit report that is not only inaccurate but is currently involved in pending litigation. This account does not reflect the reality of my financial situation and is, in fact, a matter of legal dispute at this time. 

As you are likely aware, accounts involved in litigation should not be represented in the same manner as accounts that have been settled or closed. The inclusion of this account is both misleading and harmful to my credit report, and I am taking legal action to resolve the matter. Given the ongoing litigation, it is critical that this account be removed from my credit report immediately to prevent further harm to my credit score and financial reputation.

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 2025-02-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Account on My Credit Report Under FDCPA 15 U.S.C. 1692g To Whom It May Concern, I am writing to formally dispute a collection account that appears on my credit report with Equifax. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I have the right to receive validation of the alleged debt. 

I hereby formally request that Equifax verify and validate the debt reported on my credit history. If the collection agency is unable to provide proper documentation proving that this debt belongs to me and meets the legal requirements for collection, I demand its immediate removal from my credit report. 

Additionally, I believe that the reporting of this debt violates multiple consumer protection laws, including : - XXXX*15 U.S. Code 6801** : Protection of personal information. 
- **15 U.S. Code 6802** : Obligations regarding the disclosure of personal information.

- **15 U.S. Code 6803** : Disclosure of privacy policies.

- **15 U.S. Code 1681e ( b ) ** : Accuracy of credit reports.

- **15 U.S. Code 1681a ( d ) ( 2 ) ** : Exclusion of certain transactions from credit reports.

- **18 U.S. Code 1028A** : Aggravated identity theft. 

I urge you to initiate an investigation under the Fair Credit Reporting Act ( FCRA ) and notify me of the resolution of this dispute within the legally required timeframe. Please provide a written response confirming the removal of this account from my report or supplying the required documentation validating the debt. 

I am attaching a copy of my identification and my credit report with the disputed account highlighted for your reference. 

I appreciate your prompt attention to this matter and expect your response within the 30-day legal period. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I requested you immediately cancel and discharge my student loan debt in full.

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 2025-02-15 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: MI

Complaint narrative:
Since XXXX of XXXX  I have been contacting XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  ABOUT letting them know I NEVER opened an account with this company and this account is not mine. I have been ignored by XXXX XXXX XXXX and the Consumer reporting agencies have continued to report this inaccurate information on my account causing my family and I harm and mental anguish. The FCRA mandates that only accurate and verifiable information may be included in credit reports. Additionally, the FDCPA prohibits collection agencies from reporting accounts without proper validation.Section 609 : Right to obtain all information in your credit file.

Section 611 : Right to dispute inaccurate information and require correction or removal if unverifiable.

Section 623 : Responsibilities of furnishers of information to ensure accuracy when reporting to credit bureaus.

Section 605B ( Identity Theft Protection ) : Requires credit reporting agencies to block fraudulent information from appearing on a consumers report within four business days after receiving proof of identity theft, such as a police report or an identity theft affidavit

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 2025-02-15 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: MI

Complaint narrative:
Since XXXX of XXXX  I have been contacting XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  ABOUT letting them know I NEVER opened an account with this company and this account is not mine. I have been ignored by XXXX XXXX XXXX and the Consumer reporting agencies have continued to report this inaccurate information on my account causing my family and I harm and mental anguish. The FCRA mandates that only accurate and verifiable information may be included in credit reports. Additionally, the FDCPA prohibits collection agencies from reporting accounts without proper validation.Section 609 : Right to obtain all information in your credit file.

Section 611 : Right to dispute inaccurate information and require correction or removal if unverifiable.

Section 623 : Responsibilities of furnishers of information to ensure accuracy when reporting to credit bureaus.

Section 605B ( Identity Theft Protection ) : Requires credit reporting agencies to block fraudulent information from appearing on a consumers report within four business days after receiving proof of identity theft, such as a police report or an identity theft affidavit

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
For the collection accounts, and I am requesting the following documentation : The Forward Flow Agreement proving the legal transfer of ownership. The Complete Chain of Title documenting all prior owners of the debt. An Affidavit of Ownership attesting that the current entity is the rightful owner of the debt. If the above documentation can not be provided, these collections must be removed immediately as they can not be verified per FCRA 1681i. The accounts listed as charge off have been improperly reported as charge-offs multiple times instead of once, violating 15 U.S.C. 1681e ( b ). These accounts were charged off once, yet the charge-off status has been re-reported month after month for up to a year some over a year, which is inaccurate and misleading. Charge- offs can only occur once, and repeated reporting artificially prolongs the negative impact, violating FCRA accuracy requirements. These accounts must be removed immediately for failing to adhere to 1681e ( b ). Consumer claimed to have verified the information but only made false remarks/status on report. Additionally, under FCRA 1681n, willful non-compliance with these obligations entitles me to statutory damages ranging from {$100.00} to {$1000.00} per violation. Notably, I do not need to prove actual harm to claim these statutory damages. Furthermore, I will be pulling all past disputes submitted through the Consumer Financial Protection Bureau ( CFPB ) to review the lack of action taken in response to my disputes. If this matter is not resolved immediately, I will also be pursuing legal action to protect my rights under the FCRA.

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 2025-02-15 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: KS

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have contacted Experian over 13 times, they either dont investigate the info or ignore it I sent them a letter from the creditor even that got no update not sure why they have control if they cant do there job

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 2025-02-15 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: CT

Complaint narrative:
I am writing to urgently address a serious matter regarding an unauthorized and fraudulent use of my identity. Upon reviewing my credit report, I discovered an account that was opened without my consent, and I have reason to believe that this account was created through fraudulent activity. 

This account does not belong to me, and I have not authorized any transactions, applications, or actions related to it. The unauthorized use of my personal information constitutes identity theft, and I am taking all necessary steps to protect my financial integrity.

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