vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: IN

Complaint narrative:
I submitted a dispute to TransUnion regarding inaccurate and unverifiable accounts reported by XXXX XXXX, XXXX XXXX, and XXXX. As part of the reinvestigation, I requested the method of verification under FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ), including all original documentation used to verify the accuracy of the accounts. 

Instead of providing proper documentation, TransUnion responded with a vague statement that the accounts were verified as reported, with no supporting evidence or proof. This response does not meet FCRA standards. I attempted to upload my Method of Verification letter multiple times through their portal, but their system failed to accept it due to technical issues. 

Despite these efforts, TransUnion has not provided the legally required verification and continues to report the accounts, which is damaging my credit and violates my consumer rights.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
[ XXXX [ XXXX [ XX/XX/year> ( Credit reporting Agencyl Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ CFPB, Equifax XXXX, TransUnion XXXX ]. 
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. 
Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXXday timeframe. 
Sincerely, ( XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: PA

Complaint narrative:
[ XXXX [ XXXX [ XX/XX/year> ( Credit reporting Agencyl Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ CFPB, Equifax XXXX, TransUnion XXXX ]. 
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. 
Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXXday timeframe. 
Sincerely, ( 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 2025-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NH

Complaint narrative:
I have not had any problems with student loan service prior to MOHELA. MOHELA has been unresponsive and difficult to reach by phone, accessing online ( I have gained access a fraction of the time; other times it does not identify me as an account ), phone wait times are 2-4 hours and callbacks are either 3 hrs or none at all. 
I received voicemails directing me to website, but I can not access as stated above. 
I attempted online payments and it didn't accept them, but it didn't determine that at the time I made the payments. I wished to request forbearance or payment adjustments, but no help at all. 
I am now reported to the credit agencies as " in default '' and it's ruined my perfect credit history. I am down over XXXX pts in credit score despite being perfect ( on-time ) /solvent with my credit cards and loans for multiple years, but that doesn't seem to matter because of MOHELA 's report XXXX I also see there are thousands of complaints against MOHELA, so this is not new. 
I have been XXXX for several months and have been limited in income and I'm still perfect on my other accounts. Doesn't make sense my credit would be negatively impacted from just one ( MOHELA reporting ) to such a negative degree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: NV

Complaint narrative:
Equifax : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX Via Dealer ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX Via Dealer ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my transunion report and noticed XXXX hard inquiries that resulted from identity theft in XXXX attactched with this report will be a etc report as well as a plolice report with the XXXX police department XXXX ID, lease and social to have these unauthorized inquiries removed. thank you XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: IN

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Account Reporting Dear Experian, I am writing to formally dispute an inaccurate entry on my credit report related to the charge-off account from XXXX XXXX  XXXX for my XXXX Credit Card . The account in question is XXXX It has come to my attention that XXXXXXXX XXXX  XXXX is reporting this account as a charge-off. However, I understand that XXXX XXXX  securitizes its debts through the XXXX Credit Card XXXX XXXX. As a result, they no longer own the debt and are misrepresenting themselves as the owner of this account. This misrepresentation violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies and furnishers of information must report accurate information. 

According to the FCRA, specifically 15 U.S.C. 1681s-2, furnishers of information have a duty to provide accurate information to credit reporting agencies. By reporting that XXXX XXXX  XXXX owns this charge-off account, they are providing inaccurate information that harms my creditworthiness and violates my rights. 

Furthermore, in the case of * XXXX, XXXX XXXX XXXX *, XXXX XXXX XXXX XXXX ( XXXX ), the Supreme Court emphasized the importance of accurate credit reporting and the importance of protecting consumers from false information. By allowing XXXX XXXX  XXXX to report this account inaccurately, Experian is failing to adhere to the standards set forth in the FCRA. 

Given the circumstances, I request that you investigate this matter and remove the charge-off account from my credit report immediately due to its inaccurate reporting. Please provide me with written confirmation of your findings and any actions taken regarding this dispute. 

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

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 2025-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MO

Complaint narrative:
Good afternoon, My student loans were recently forgiven as I fulfilled obligations under the Public Service Loan Forgiveness Act ( XXXX qualifying payments ). I received a letter from XXXX ( XX/XX/year> ) and Mohela ( XX/XX/year> ) stating that my loans were forgiven. Also, both accounts indicated {$0.00} ( XX/XX/year> for Mohela ). As of this week XX/XX/year>, accounts were closed and removed from my credit reports. 

On XX/XX/year>, I received XXXX emails from Mohela indicating that I have past due amounts as well as upcoming payments. I logged into my Mohela account, and sure enough, payments are now showing back on my account. 

I sent a message to Mohela on XX/XX/year> to rectify the issue. 

I would greatly appreciate the CFPB 's assistance looking into this issue. Thank you for your time and please let me know if I can provide additional information. 

XXXX Attachments ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of XXXX XXXX, I am requesting their deletion within the next XXXX  days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear Sir/Madam:\nUpon 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:\n\nIncorrect Information to Be Removed:\n\nIncorrect Name(s): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI 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.\n\nAdditionally, 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.\n\nRequest for Investigation and Procedures\nPursuant 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.\n\nAdditional Request\nPlease 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.\nI 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.\n\nRequest for Correction\nI 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.\n\nThank you for your attention to this matter. I look forward to your prompt responseXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: OH

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: SC

Complaint narrative:
My brother sent me money on multiple occasions, tue total amount was over XXXX. Cash app took that money out of my personal banking account. They did not resolve issue or offer to look into it after I disputed it. I had to close that account because they kept trying to take more money out every time I added some. My brother also called the bank with me to make sure no dispute was filed by him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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 writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of XXXX XXXX, I am requesting their deletion within the next XXXX  days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

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 2025-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. XXXX, Section XXXX, I have the right to privacy. Additionally, 15 U.S.C. XXXX, Section XXXX ( a ) ( XXXX ), states that a consumer reporting agency may not furnish a consumer report without my written authorization. Furthermore, under 15 U.S.C. XXXXb, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: LA

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 2025-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WA

Complaint narrative:
I've had my account with Chime since last summer. There was a deposit made online for {$12000.00} and another deposit made through their official XXXX XXXX  XXXX for {$360.00} that never showed up at all. I had mailed some State of Washington checks, enforced over to them, A friend of mine finally called that bank, inquiring about the checks, it had been some time and they seemed to have disappeared. They admitted to receiving them, but added, we don't accept checks. He asked why they didn ' y just return the checks, and was told again, they don't deal with checks, my friend was getting annoyed, and said, so what do you do with them, toss them in the trash? The BANK just repeated they don't deal with checks. They never gave me back my {$360.00}. 
For a long time Chime has wanted me to open a credit card, I asked what their limit was, I might be interested in {$5000.00}, It was barely {$1000.00} I said NO!!, But he keeps pestering me that we had a deal, which we NEVER had! It's impossible to email him, his email is always full. He's a terrible pest, a liar, and he STOLE {$12000.00} of my money from my account! 
I have another credit card I'm very happy with, but I'm having trouble making the payments, I'm XXXX and was rushed to the XXXX  3 times then the 4th time I was admitted for several days, and I've been told I need 3 XXXXXXXX XXXX. I'm a XXXXXXXX XXXX XXXX. 
In the meantime I can't get my {$12000.00} from Chime, for my medications and to keep my XXXX card current, he writes to me everyday wanting me to take a Chime credit card but won't give be back my {$12000.00} or my {$360.00}. HE IS A LIAR A CON MAN AND A THIEF!

Company response to consumer: Closed with explanation