vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$3900.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$14000.00} XXXX XXXX  - XXXX - {$9400.00} XXXX  - XXXX - {$8500.00} XXXX  - XXXX - {$2500.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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 2025-03-17 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: MOHELA
State: KY

Complaint narrative:
I am a recent graduate and upon my 6 month grace period I tried to reach out to Mohela regarding my IDRP repayment program. To date I have not been able to contact anyone wait times are hours and when you select to receive a call back no one ever calls. I wake up Sunday morning to my credit score going from a XXXX to XXXX!! This is wrong and financially devastating to my life with no assistance from a loan servicer whom my loans were transferred to. None of my fellow graduating classmates have had this experience and it seems I am one of the unfortunate to be transferred to this awful loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-03-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/scrub>XXXX I discovered discrepancies in the following account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
I've contact The Bureaus Inc. to validate a debt that they have reported on my credit reports. They state the original creditor is XXXX XXXX. I've called XXXX XXXX and they have no record of the debt and could not be verified. I've called back to the Bureaus and was informed that they don't have the information, another company has the information which is XXXX and XXXX. The customer service representative from the Bureaus Inc. was very rude. I inquired if the Bureaus provided information to an additional party for the debt, can they provide me with the same information. I was told repeatedly ; they do not have the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX XXXXXXXX Balance {$330.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$570.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-17 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following date XXXX. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-03-17 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following date XXXX. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence.

The following accounts require immediate review and correction : NAME : XXXX XXXX XXXX DATE OF BIRTH : XXXX  CURRENT ADDRESS : XXXX XXXX XXXX, XXXX XXXX, NC XXXX Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Per the attached documents, I request that LexisNexis removes/updates their records to reflect that -- per my Auto Insurance with XXXX XXXX  and XXXX XXXX XXXX had mistakenly reported two at-fault claims, yet they've subsequently removed them because of errors on their part. Please update my info ASAP! Thx

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform and as a result I have had my personal information and fraudulent charges posted on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
XXXX/Mohela/XXXX  did not inform me about private loan discharge to for profit and predatory schools. I repeatedly called and tried to get someone to listen and explain that I could not pay $ XXXX. They pushed me to defer or use forbearance. I did the income payment plan for 6 months at a time and the payments continued to climb. Once I exhausted all avenues the letters from XXXX XXXX XXXX XXXX started coming weekly!!! XXXX and XXXX XXXX who anre both owned by XXXX!! XXXX would not lower my interest rates/payments but XXXX or XXXX XXXX would. I refinanced having no idea about PPSL program like they wanted me too. 

Maiden name : XXXX XXXX Quote from XXXX : XXXX has yet to formally announce the plan but has already distributed applications to a select group of borrowers, according to the Project on Predatory Student Lending, or PPSL. The advocacy group has been publicizing the program and has posted instructions for navigating the process on its website. Why do it quietly? 

I am an eligible borrower and have been and no one sent me anything! I requested the application via email and was denied because I consolidated. I consolidated with XXXX XXXX aka XXXX because XXXX would not budge on the payment plan /interest rates. If XXXX = Mohela = XXXX, how and why was I not entitled to discharge for private loans? I have already been approved for discharged for federal loans under borrowers defense group and currently awaiting refund. I feel as if I am owed a debt. The original loan amounts totaled just over XXXX. Yet I had to refinance {$48000.00} I have been paying since XXXX!!! 

Link to referenced XXXX article XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Dear CFPB Representative, I am formally disputing an issue with XXXX, such as inaccurate credit reporting, unauthorized charges, unfair lending practices, etc. Despite my efforts to resolve this matter directly with the company, they have failed to take appropriate action. 


Midland credit management, reported false information on XXXX I have wrote them a letter on multiple occasions and they have denied my request of removal! I need all my remarks to be removed from these companies immediately as they have proven themselves to have wrongful information and incorrect amounts! I need a full investigation on all these cases Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I have the right to dispute inaccurate or incomplete information and to have the matter properly investigated. The law requires that credit reporting agencies and furnishers of information investigate disputes within 30 days and correct any inaccuracies. [ Creditor/Company Name ] has failed to comply with these requirements, and I am requesting the CFPB intervention to ensure that my consumer rights are upheld. 

I have enclosed copies of supporting documentation, including [ list documents such as billing statements, letters, emails, credit reports, or other relevant evidence ]. I request that the CFPB take appropriate action to ensure compliance with federal law and facilitate a resolution. 

Please keep me informed of any progress regarding this dispute. Thank you for your time and attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax Subject : Formal Dispute of Inaccurate Personal Information under the Fair Credit Reporting Act ( FCRA ) Equifax, I am writing to formally dispute the inaccurate personal information that appears on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any incorrect or unverifiable information, and you are required by law to conduct a reasonable investigation and correct or remove any inaccurate or unverified data. 
Inaccurate Information on My Credit Report 1. Incorrect Addresses : I have noticed multiple incorrect addresses listed on my credit file. These addresses are not associated with me, and I request their immediate removal : Incorrect Addresses to Be Removed : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Correct Address to Be Added : XXXX XXXX XXXX XXXX XXXX TX XXXX Legal Basis for My Request Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), credit bureaus must investigate disputed information within 30 days and remove or correct any inaccurate, incomplete, or unverifiable information. Failing to do so is a violation of federal law. 
Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in consumer reports. Allowing false personal data to remain on my file is a direct violation of this provision. 
Requested Action I request that you : Remove all incorrect addresses and employers listed above.

Update my credit file with my correct address. 
Provide written confirmation that these corrections have been made. 
I have attached copies of my government-issued ID and a recent utility bill as proof of my correct address. If these errors are not corrected within the legally required 30-day period, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please confirm the corrections in writing at your earliest convenience. If you need additional information, you may contact me at the details above.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CBC Companies, Inc.
State: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Payer issued a bill payment in the form of a bank check from USAA on XX/XX/year>. I deposited the check into my XXXX account, but XXXX informed me that they were unable to locate the associated account number and the {$5000.00} fund. Later, XXXX stated that the check was returned without providing further details. 

I attempted to contact USAA to obtain information regarding the returned check and the status of the funds, but as a non-member, USAA refused to provide me with any information. I need to confirm whether this check was cashed, refunded, or voided, and by whom. 

XXXX stated that they need USAA to provide a transaction details to trace the missing funds. I am requesting CFPB to intervene and require USAA to provide the following : The reason why the check was returned and uncashable. 
Whether the funds were refunded to the payers ( drawers ) account. 
Who cashed or voided the check if it was processed. 

Without this information, I am unable to determine the status of the missing {$5000.00}. I am requesting CFPB to ensure USAA provides the required documentation to resolve this issue.

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