vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to request that you block from my credit file certain information that I believe is the result of identity theft, as provided under 15 U.S.C. 1681c2 a of the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally submitting a complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$80.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$950.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding the mishandling of my federal student loan following a servicer transfer. My loan was transferred from my original servicer to a new company, and I was not properly notified of this transfer in a timely or effective manner. As a result, I was unaware of where to make payments and did not receive timely billing statements or account access instructions from the new servicer. 

Due to this lack of communication, my account now shows late payments, which I believe are inaccurate and should be retroactively corrected to show as " on time. '' Once I became aware of the issue, I promptly contacted the new servicer and requested forbearance to prevent further damage to my credit. However, the previous delinquencies remained on my credit report, despite being caused entirely by the lack of proper notification and servicing transfer process. 

Under the Higher Education Act of 1965 ( 20 U.S.C. 1082 ( a ) ( 2 ) ), and Regulation X ( 12 CFR 1024.33 ), loan servicers are required to provide timely and accurate notice when a loan is transferred, including : The effective date of transfer, The name and contact information of the new servicer, Information about where to send payments, and A grace period during which late fees can not be charged or delinquencies reported due to payment misdirection. 

Furthermore, per FCRA ( Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers of credit information are required to report accurate data to credit bureaus. Reporting late payments caused solely by servicer error and lack of communication constitutes inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding the mishandling of my federal student loan following a servicer transfer. My loan was transferred from my original servicer to a new company, and I was not properly notified of this transfer in a timely or effective manner. As a result, I was unaware of where to make payments and did not receive timely billing statements or account access instructions from the new servicer. 

Due to this lack of communication, my account now shows late payments, which I believe are inaccurate and should be retroactively corrected to show as " on time. '' Once I became aware of the issue, I promptly contacted the new servicer and requested forbearance to prevent further damage to my credit. However, the previous delinquencies remained on my credit report, despite being caused entirely by the lack of proper notification and servicing transfer process. 

Under the Higher Education Act of 1965 ( 20 U.S.C. 1082 ( a ) ( 2 ) ), and Regulation X ( 12 CFR 1024.33 ), loan servicers are required to provide timely and accurate notice when a loan is transferred, including : The effective date of transfer, The name and contact information of the new servicer, Information about where to send payments, and A grace period during which late fees can not be charged or delinquencies reported due to payment misdirection.

Furthermore, per FCRA ( Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers of credit information are required to report accurate data to credit bureaus. Reporting late payments caused solely by servicer error and lack of communication constitutes inaccurate reporting.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding the mishandling of my federal student loan following a servicer transfer. My loan was transferred from my original servicer to a new company, and I was not properly notified of this transfer in a timely or effective manner. As a result, I was unaware of where to make payments and did not receive timely billing statements or account access instructions from the new servicer. 

Due to this lack of communication, my account now shows late payments, which I believe are inaccurate and should be retroactively corrected to show as " on time. '' Once I became aware of the issue, I promptly contacted the new servicer and requested forbearance to prevent further damage to my credit. However, the previous delinquencies remained on my credit report, despite being caused entirely by the lack of proper notification and servicing transfer process. 

Under the Higher Education Act of 1965 ( 20 U.S.C. 1082 ( a ) ( 2 ) ), and Regulation X ( 12 CFR 1024.33 ), loan servicers are required to provide timely and accurate notice when a loan is transferred, including : The effective date of transfer, The name and contact information of the new servicer, Information about where to send payments, and A grace period during which late fees can not be charged or delinquencies reported due to payment misdirection.

Furthermore, per FCRA ( Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers of credit information are required to report accurate data to credit bureaus. Reporting late payments caused solely by servicer error and lack of communication constitutes inaccurate reporting.

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 2025-07-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDEPTOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 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: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: PA

Complaint narrative:
I am writing to formally express my frustration and disappointment regarding your refusal to allow me to lower my monthly student loan payment, despite my current financial hardship and sincere efforts to remain in good standing with my loan. 

I have attempted to explore available options to reduce my payment to a more manageable amount based on my current income and living situation. Unfortunately, I was either met with unclear guidance or outright denials, with little to no explanation or personalized assistance. As a borrower actively seeking a reasonable solution, I find this unacceptable and disheartening. 

Federal student loan programs were designed to offer flexibility especially in times of financial strain and I believe I am eligible for an income-driven repayment plan or other form of payment relief. Yet, the process has been confusing, and I feel my circumstances have been overlooked or dismissed altogether. 

This experience has caused unnecessary stress and financial instability. I am requesting immediate re-evaluation of my eligibility for a lower monthly payment and clear, transparent communication about the options available to me. I would appreciate your timely response and resolution to this matter. 

If this issue is not resolved promptly, I am prepared to escalate this complaint to the U.S. Department of Education.

Thank you for your attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2025-07-17 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 am submitting this formal complaint to request a comprehensive investigation into all delinquent accounts and late payments being reported on my credit file, as well as the immediate removal of the closed SYNCH/ABCWH account, which no longer serves a permissible purpose. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that is inaccurate, incomplete, or can not be fully verified. The credit reporting agencies are required to conduct a reasonable reinvestigation and delete any data that can not be confirmed as accurate. Furthermore, under 15 U.S.C. 1681s-2 ( a ), data furnishers must report information with maximum possible accuracy. Any delinquency or late payment entry that can not be substantiated with full and proper documentation must be permanently removed. In addition, the continued reporting of the closed SYNCH/ABCWH account violates 15 U.S.C. 1681b, which restricts the use of consumer reports to cases with a legitimate need and permissible purpose. Since the account is closed and no longer active, its inclusion is not only irrelevant but also unjustifiably damaging to my credit standing. I respectfully request the CFPB to enforce compliance with federal consumer protection laws and ensure that all late payments, delinquent accounts, and the SYNCH/ABCWH entry are verified with documented proof or permanently deleted from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is still reporting false information on my credit report I've tried disputing XXXX several times on my Experian report. I've also contacted XXXX collection department to discuss this account and told them those weren't my charge off account. Experian refused to delete this account and cooperate with the collection department this account is charged off and written off for {$410.00} I have no knowledge about this charge and it was done without any of my consent or knoi

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 2025-07-17 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: FIRST PORTFOLIO SERVICING INC
State: AZ

Complaint narrative:
XXXX  is still reporting false information on my credit report I've tried disputing Revvi several times on my XXXX  report. I've also contacted Revvi collection department to discuss this account and told them those weren't my charge off account. XXXX  refused to delete this account and cooperate with the collection department this account is charged off and written off for {$410.00} I have no knowledge about this charge and it was done without any of my consent or knoi

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-17 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I am urgently requesting that Aidvantage remove the inaccurate delinquency from my credit report. I have always made every effort to repay my loans in good faith, including staying on top of payments through the pandemic, forbearance periods, and the ongoing student loan forgiveness discussions. 

When my previous loan servicer ( XXXX ) was shut down for defrauding borrowers, my account was transferred to Aidvantage. I believed my loans were still in forbearance or on autopayas they were beforeand I was never notified that payments were due. Aidvantage had incorrect contact information on file ( both email and physical address ), and I only learned about the delinquency on XX/XX/2025, when I received the first and only email from them saying my account was seriously delinquent. By then, they had already reported me as 123 days late, which caused my credit score to drop from XXXX to XXXX overnight. 

This has been devastating to my mental and financial health, especially as I just welcomed my first child and was in the process of closing on a home. I immediately corrected my contact information and paid the account up to dateincluding paying one loan in fullbecause I am not someone who avoids responsibility. But I should not be penalized for not knowing something was due when I was never properly informed.

I respectfully request that this mark be removed from my credit report so I can continue building my life and providing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I called XXXX XXXX XXXX Originally : XXXX XXXX to advise them of a fraudulent account that i saw on my credit report on XX/XX/XXXX. I asked for proof of responsibility and proof of my signature or ID drivers license being provided as proof and the company never replied. The company sold the account to another company and they also have not provided proof. I had a fraud alert on my credit report with my phone number asking to be called if anyone applies with my information as i was a victim of identity theft XX/XX/XXXX. They did not follow the fraud alert and have refused to remove the account and report it as fraud. This account was opened without verifying my identity. This is stopping me from being able to buy a home and affecting my life in a negative way. Its showing i owe {$2200.00} as of XX/XX/XXXX. 
I have disputed with no resolve as this company violated my rights and multiple accounts were open due to negligence and disregarding my fraud alert and identity theft report with both the credit bureaus and FTC

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