vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper holds my mortgage loan and my escrow account that I have paid into since the mortgage 's inception in early XXXX. Property taxes for my property were due on XX/XX/XXXX. They were not paid. Their website noted that they were " working on it '' When the end of XXXX approached ( new penalties assesed each month late ) I decided to reach out to get some information. On XX/XX/XXXX I called their support line directly and spoke to a representative on the phone. She told me that their tax group was working on it and to rest assured it will be paid and I will not be liable for any late fees. On XX/XX/XXXXXXXX  after not hearing anything more and seeing the funds still had not been disbursed I sent them a message through their messaging center asking again for an update. They sent back a message saying they were looking in to it and immediately closed the ticket giving me no chance to respond or ask more questions. A few days later they sent me a document saying they received my request on XX/XX/XXXX and they had 30 days to respond to me. Again zero communication, no updates, just stalling. I then issued them a statement through their messaging center on XX/XX/XXXX that I was in need of a call and follow up email detailing the status of my property tax payment. They resent the same thing from XX/XX/XXXX and closed the ticket. We are now at the 30 day mark from my actual first request date and still no response or payment. This has been extremely stressful and an absolutely awful experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding the unacceptable lack of response from MOHELA Loan Servicing concerning my request for the XXXX XXXX XXXX XXXXXXXX ( XXXX  ) Loan Forgiveness application. Despite multiple attempts to obtain this necessary form, I have yet to receive it. 

I initially contacted MOHELA in early XXXX to request the application for loan forgiveness due to my qualifying XXXX. Since then, I have followed up a total of four timesthrough both phone calls and written correspondencewith my most recent request made in XXXX. Each time, I was either assured the application would be sent or given vague instructions with no follow-through. As of todays date, I have not received the application, nor have I been given a valid explanation for the delay. 

This failure to provide timely access to critical loan forgiveness documentation is causing undue stress and unnecessary hardship. As someone who qualifies for loan discharge under the XXXX provision, I have the legal right to apply for this relief, and it is MOHELAs responsibility as a loan servicer to assist in facilitating this process efficiently and professionally. 

I am requesting immediate action to be taken to send the proper XXXX  Loan Forgiveness application to me without further delay. Additionally, I am requesting an investigation into why my repeated requests over the course of nearly two months have been ignored or mishandled.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and any other appropriate oversight authorities.

Thank you for your immediate attention to this issue. I expect a prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Mississippi XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Subject : URGENT - FINAL REQUEST FOR DELETION OF INACCURATE INFORMATION Dear TransUnion, I am writing to formally dispute the severe inaccuracies on my credit report for the fourth time. Under FCRA 15 U.S.C. 1681, I have a legal right to a 100 % accurate and fair credit report. These errors are unjustly damaging my financial stability, preventing me from accessing credit opportunities, and must be corrected immediately. 
Erroneous Account Information ( Violating FCRA Guidelines ) XXXX XXXX ( Account # XXXX ) This late payment is incorrect and must be removed immediately if not verified under FCRA 609 ( a ). 
XXXX XXXX XXXX ( Account # XXXX ) The late payment from XX/XX/XXXX, is inaccurate and must be deleted under FCRA 611 ( a ) if validation is not provided. 
These false reports are placing an undue burden on me, leading to financial hardship, higher interest rates, and loan denials. I demand immediate action. 
Legal Consequences of Non-Compliance You are legally required to resolve this dispute within 30 days under FCRA 611 ( a ). If my consumer rights continue to be violated, I will escalate this matter by filing formal complaints with the CFPB, FTC, and seek legal recourse against TransUnion.

A written confirmation of these removals is expected immediately. 
Sincerely, 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 2025-03-25 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: AZ

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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 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 non-monetary relief
Consumer complaint received 2025-03-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
Formal Complaint Against XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) for Financial Misconduct and Misclassification Dear CFPB Representative, I am submitting this formal complaint to request your office 's investigation into XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) for engaging in deceptive financial practices, student misclassification, and systemic failure to correct financial aid-related recordsactions that have caused me severe financial harm and appear to violate multiple federal statutes. 

Summary of the Issue : I was enrolled at XXXX from XXXX to XXXX as a post-baccalaureate student. 

XXXX misclassified me as a graduate student, resulting in the disbursement of XXXX-level federal student loans, despite charging me XXXX tuition. 

This misclassification has caused me to pay higher interest rates for over 20 years, and I have been denied access to graduate education as a result. 

I notified XXXX of this error more than a month ago, yet they have taken no corrective action or provided documentation to confirm any updates. 

Violations of CFPB Jurisdiction Include : Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 XXXX 's failure to disclose accurate loan classification and their inaction constitute deceptive and unfair practices. 

Higher Education Act ( HEA ) 20 U.S.C. 1094 ( a ) ( 3 ) Improper reporting to the National Student Loan Data System ( NSLDS ), impacting federal student aid. 

Failure to Provide Timely Corrections Under FERPA XXXX has ignored formal requests to amend my educational records under federal law. 

Request for CFPB Action : Open an investigation into XXXX  handling of student classifications and financial aid reporting. 

Work with the Department of Education and relevant state agencies to ensure institutional compliance. 

Provide guidance on how I may seek compensation, student loan recalculation, or other financial remedies.

I believe this issue may impact many more students, and as such, I am urging your office to assess whether XXXX has engaged in systemic financial misconduct that has harmed consumers. 

Please confirm receipt of this complaint. I am available to provide documentation, including copies of my student records, loan statements, and correspondence with XXXX. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX ID : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
Subject : Request for Deletion of Closed Account with Late Payments FCRA Compliance To Whom It May Concern, I am writing to dispute inaccurate and harmful information appearing on my credit report regarding my XXXX XXXX XXXXXXXX account. This account has been closed and fully paid, yet it continues to reflect late payments, which are negatively impacting my credit score.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I have the right to request verification of the accuracy, completeness, and timeliness of any information reported in my credit history. According to 15 U.S.C. 1681i ( a ) ( 5 ), if the information can not be verified with absolute accuracy, it must be deleted or corrected immediately. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Status : Closed and paid Inaccurate Information Reported : Late payments that do not reflect the current status of the account

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 2025-03-25 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: MD

Complaint narrative:
XX/XX/XXXX - Used XXXX XXXX  for payment {$6600.00} XX/XX/XXXX, - XXXX  rescinded payment citing fraud on my account. I advised the bank that the {$6600.00} was legit and asked that this amount be paid to XXXX XXXX. XXXX advised that my account was frozen pending an investigation of {$56.00} charge from an overseas transaction so they were unable to process any transaction on my account at that time. 

XX/XX/XXXX - I proceeded to pay XXXX XXXX  the amount of {$6600.00} from my XXXX XXXX XXXX credit card in order to expedite the work they were contracted to do. 

XX/XX/XXXX - XXXX posted a charge of {$6600.00} as payment to XXXX XXXX  on my account.. I immediately contacted the vendor who did their investigation and advised that they never received an additional amount of {$6600.00}. 

After much back and forth with the vendor I reported this issue to the XXXX XXXX XXXX XXXX XXXX  provided XXXX  with their bank transactions for the period of XX/XX/XXXX through XX/XX/XXXX to prove that they did not receive this money. 
I have asked XXXX  in written communication MULTIPLE time s for their transaction records to show ( 1 ) initial payment {$6600.00} ( 2 ) recinding {$6600.00} ( 3 ) repayment {$6600.00} and I have not received this. Letter from XXXX XX/XX/XXXX stated " WE ARE UNABLE TO PROVIDE THE DOCUMENTATION PROVIDED TO US BY XXXX CONFIRMING THE {$6600.00} WAS RECEIVED SUCCESSFULLY BY XXXXXXXX XXXX  ON XX/XX/XXXX, HOWEVER WE WOULD SUGGEST THAT XXXXXXXX XXXX  WORK WITH XXXX  DIRECTLY TO CONFIRM RECEIPT OF THE FUNDS ''. 
**Please note that XXXX XXXX is not owned any money as i had paid with another credit card and they have threatened me with a lawsuit for harassment for the amount of times I had contacted them initially for a refund and they have sent proof that they did not received this money. 
**Comenity INCREASED MY INTEREST RATE TO 29 : AND SUBSEQUENTLY closed my account on XX/XX/XXXX citing a fraud claim. I NEVER REPORTED A FRAUD CLAIM AND THIS WAS INITIATED BY COMENITY.. 
Recently XXXX custormer service suggested I contact XXXX, XXXX directly to track this money down. XXXX advised that they do not provide this info to individuals and it is XXXX 's responsibility to do their due diligence in tracking this money down.

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 2025-03-25 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: MD

Complaint narrative:
XX/XX/XXXX - Used XXXX XXXX  for payment {$6600.00} XX/XX/XXXX, - XXXX  rescinded payment citing fraud on my account. I advised the bank that the {$6600.00} was legit and asked that this amount be paid to XXXX XXXX. XXXX advised that my account was frozen pending an investigation of {$56.00} charge from an overseas transaction so they were unable to process any transaction on my account at that time. 

XX/XX/XXXX - I proceeded to pay XXXX XXXX  the amount of {$6600.00} from my XXXX XXXX XXXX credit card in order to expedite the work they were contracted to do. 

XX/XX/XXXX - XXXX posted a charge of {$6600.00} as payment to XXXX XXXX  on my account.. I immediately contacted the vendor who did their investigation and advised that they never received an additional amount of {$6600.00}. 

After much back and forth with the vendor I reported this issue to the XXXX XXXX XXXX XXXX XXXX  provided XXXX  with their bank transactions for the period of XX/XX/XXXX through XX/XX/XXXX to prove that they did not receive this money. 
I have asked XXXX  in written communication MULTIPLE time s for their transaction records to show ( 1 ) initial payment {$6600.00} ( 2 ) recinding {$6600.00} ( 3 ) repayment {$6600.00} and I have not received this. Letter from XXXX XX/XX/XXXX stated " WE ARE UNABLE TO PROVIDE THE DOCUMENTATION PROVIDED TO US BY XXXX CONFIRMING THE {$6600.00} WAS RECEIVED SUCCESSFULLY BY XXXXXXXX XXXX  ON XX/XX/XXXX, HOWEVER WE WOULD SUGGEST THAT XXXXXXXX XXXX  WORK WITH XXXX  DIRECTLY TO CONFIRM RECEIPT OF THE FUNDS ''. 
**Please note that XXXX XXXX is not owned any money as i had paid with another credit card and they have threatened me with a lawsuit for harassment for the amount of times I had contacted them initially for a refund and they have sent proof that they did not received this money. 
**Comenity INCREASED MY INTEREST RATE TO 29 : AND SUBSEQUENTLY closed my account on XX/XX/XXXX citing a fraud claim. I NEVER REPORTED A FRAUD CLAIM AND THIS WAS INITIATED BY COMENITY.. 
Recently XXXX custormer service suggested I contact XXXX, XXXX directly to track this money down. XXXX advised that they do not provide this info to individuals and it is XXXX 's responsibility to do their due diligence in tracking this money down.

Company response to consumer: Closed with explanation