vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Urgent Dispute of Fraudulent Credit Report Information Dear Experian, I am writing to formally dispute all accounts listed on my credit report, as they have been inaccurately reported and are the result of fraud. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure the maximum possible accuracy of consumer credit information and remove fraudulent entries promptly. Additionally, the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian has raised concerns regarding inadequate dispute investigations and the failure to remove unverified or fraudulent data. 

The following fraudulent accounts are inaccurately reported on my credit file XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX - XXXX XXXXXXXX - XXXX XXXX, ACCOUNT NUMBER XXXX - XXXX XXXX XXXX, ACCOUNT NUMBER XXXX XXXX **Multiple unauthorized inquiries** - **Erroneous negative marks impacting my credit score** - Enclosed are copies of supporting documents, including identity theft reports, police reports, and other relevant evidence confirming that I did not authorize these accounts or transactions. 

Given the serious nature of this issue, I formally request that you : 1. Conduct an immediate and thorough reinvestigation of all disputed information.

2. Remove all fraudulent accounts and unauthorized inquiries from my credit report.

3. Provide me with a written confirmation once the inaccurate information has been corrected.

4. Take all necessary steps to prevent further fraudulent reporting under my name.

The FCRA mandates that all reinvestigations must be completed within 30 days. If I do not receive a resolution within this timeframe, I will escalate this matter to the CFPB and pursue additional legal action if necessary. 

I appreciate your urgent attention to this matter and expect a prompt resolution. Please confirm receipt of this dispute by mail or email at your earliest convenience. 

Sincerely, XXXX XXXX [ Enclosures : Identity theft reports, supporting documentation.

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 2025-04-03 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:
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 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 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Brett M. Borland, P.C.
State: MI

Complaint narrative:
Dear CFPB, I am filing a complaint against Brett M. Borland P.C., a debt collection law firm located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for refusing to provide written documentation of settlement options for an outstanding debt. 

On XX/XX/year>, I spoke with a representative from this firm, who provided me with three settlement options : Pay {$4200.00} in full, and the debt will be removed from my credit report. 

Pay {$3400.00}, and the debt will be removed from my credit report. 

Pay {$2100.00}, and the debt will remain on my credit report. 

When I requested written confirmation of these terms before making a payment, the representative refused and would only discuss the options over the phone. They also declined to provide an email contact for further documentation. This refusal raises serious concerns because without written confirmation, I have no guarantee that they will honor their verbal settlement terms. 

I believe this practice is unfair and deceptive and may violate the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB investigate this matter and require Brett M. Borland P.C. to provide written documentation of any settlement terms before payment. 

Thank you for your time and assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NY

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

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 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX XXXX. in XX/XX/XXXX, a XXXX XXXX account opened in XX/XX/XXXX, XXXX XXXX XXXX  in XX/XX/XXXX, and a XXXX XXXX account on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, hard inquiries are result of identity theft and 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
Consumer complaint received 2025-04-03 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: VA

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I am demanding full documentation of the verification process used to confirm the accuracy of the following account ( s ) appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX You must provide : A detailed description of the procedure used to verify this account. 
The name and contact information of the individual ( s ) interviewed or sources consulted to confirm its accuracy. 
A hard copy of all supporting documentation you have on file, proving this account is 100 % correct. 
This information must be mailed to me at the address XXXX XXXX XXXX. Virginia XXXX, VA XXXX within five ( 5 ) days of receiving. If you are unable to provide this documentation, you must immediately remove this account from my credit report. 

Failure to delete inaccurate or unverified information is a direct violation of the FCRA, and if you refuse to remove these accounts, the law entitles me to {$1000.00} per item as statutory damages. 

Please respond accordingly and in compliance with federal law. 

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : If a consumer reporting agency ( CRA ) conducts a reinvestigation of disputed information and finds the information to be inaccurate or incomplete, or can not verify it, the CRA must delete or modify the information. The CRA must then notify the consumer of the results.

Specifically, under 1681i ( a ) ( 6 ) ( B ) ( iii ), if a consumer requests it, the CRA must provide them with a description of the procedure used to determine the accuracy and completeness of the disputed information. These items are still showing under closed accounts on my credit report WITH ALL CREDIT REPORTING AGENCIES.

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 2025-04-03 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: FL

Complaint narrative:
I recently discovered incorrect information on my report, and it is unfairly lowering my scores. These errors have already created obstacles for me, and I should not have to suffer because of mistakes that are not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 2025-04-03 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXXXXXX XXXX  : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXXXXXX  Correct Social Security Number : XXXX Correct Address : XXXX XXXXXXXX XXXX XXXX XXXX  TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
My student loans were finally forgiven retroactively to XX/XX/XXXX in XXXX, XXXX  after they verified that I had made 120 qualifying payments as of XX/XX/XXXX. Between XXXX and XXXX, my monthly payments continued while they verified my PSLF eligibility. This overpayment was added as a " Refund '' line item on my account summary for {$1600.00} on XX/XX/XXXX. It is now XX/XX/XXXX, which is a whole year after my effective forgiveness date and I still haven't received my refund for overpayment. 

MOHELA has sent me on a wild goose chase to the Bureau of the Fiscal Service at the US Department of the Treasury because they claimed that the refund needs to be processed by them. Then the Bureau of the Fiscal Service sent me to the Department of Education ( which barely exists ) which ended up being a dead end where I left a voicemail. Then I called Federal Student, who cut me off and said that they don't handle payments/refunds and sent me back to my loan servicer, who is MOHELA. 

I don't understand how MOHELA has my linked bank account and can draft payments but can't issue refunds. MOHELA owes me {$1600.00} and It's been over a year since my effective forgiveness. Now we're coming up on 5 months since the " Refund '' line item was added to my Account Summary.

The Department of the Treasury said that they are waiting on the Department of Education who said their waiting on MOHELA who said they're waiting on the Treasury. I'm being sent in circles.

How does it take this long to issue a refund to an account that is set up for direct deposit. My loans are XXXX  and forgiven! Just issue the refund for my overpayment and let me be done with this! 

It took the IRS a week to direct deposit my tax refund. How the hell does it take 5+ months to issue a refund to my linked bank account through MOHELA . 

It's not my fault that it took Federal Student Aid and MOHELA roughly 7 MONTHS to verify my PSLF eligibility. I didn't want to overpay {$1600.00}. It's ridiculous that I still haven't received the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have try so hard to get this done, Bankruptcies are not mine and no knowledge of the fraudulent things that are going on, and my report has been compromise and info was leak thro dark web, I'm in process of a deal and needs to be removed asap as well as late payments taken care of and updated. I know my rights under the FCra act and Metro 2. 
Thank you have a blessed day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have try so hard to get this done, Bankruptcies are not mine and no knowledge of the fraudulent things that are going on, and my report has been compromise and info was leak thro dark web, I'm in process of a deal and needs to be removed asap as well as late payments taken care of and updated. I know my rights under the FCra act and Metro 2. 
Thank you have a blessed day.

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 2025-04-03 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I deposited {$500.00} into my Credit Karma Money account that had been dormant since XXXX. Within 48 hours, multiple unauthorized transactions depleted my account. I attempted to log in to my account and discovered I was locked out and unable to log in or receive emails as both my Credit Karma account was locked and my email had been hacked simultaneously. 
After several phone calls taking hours to recover my account due to needing specialized assistance and experiencing multiple disconnected chats and transfers for over two hours, I was finally able to access my account on XX/XX/XXXX. I immediately noticed all funds were gone and completed disputes for all transactions. During this process, I was explicitly told to rest assured a provisional credit would be placed into the account for the unauthorized transactions. 
However, Credit Karma MoneyXXXX XXXX inconsistently handled my disputes : They approved disputes for small transactions ( {$3.00}, {$5.00}, {$7.00} ) from XXXXXXXX XXXX  They denied disputes for identical merchants and larger transactions ( {$150.00} including XXXX, XXXX ) from the same time period They approved a {$50.00} XXXX XXXX transaction but denied a {$20.00} XXXX transaction When I requested evidence for why some transactions were deemed authorized while others werent, I was told this information wouldnt be available until XX/XX/XXXX - far beyond the 10 business days required by Regulation E. 
Credit Karma Money has : 1. Failed to provide the promised provisional credit after 10 business days 2. Applied inconsistent standards to identical transactions 3. Provided no evidence supporting their authorized determinations 4. Deactivated my virtual card without providing a replacement for 2 months Ive contacted customer service multiple times requesting supervisor information and evidence of their decision-making process, but theyve refused to provide this information.

Company response to consumer: Closed with monetary relief