vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MD

Complaint narrative:
I am attempting to receive discharge of ( XXXX ) outstanding Student Signature private student loans, collectively amounting to approximately {$35000.00} of debt. These loans were incurred while attending The XXXX XXXX of Washington. I have already received discharge of my federal student loans from that school due to borrower defense. 

On XXXX XXXX, XXXX, I submitted a private student loan discharge request to loan servicer, MOHELA ( XXXX ). In the request I submitted numerous documents including : a discharge request form, loan history, personal financial documents- including tax and bank statements, personal testimony of my time spent at XXXX, faculty emails, and numerous citations to publicly available information- including federal and state court documents, XXXX memoranda, news articles, and survey data- which evidence profligate consumer misconduct, fraud and liability on the part The XXXX XXXX, XXXX XXXX XXXX ( its parent company ), and the prior servicer of my loans, XXXX. 

On XX/XX/year>, I received a letter from MOHELA stating that my request was denied. The following statement was given : " A review of your application was completed by XXXX, as your lender or on behalf of your lender, and it has been determined the applicable private student loans are not eligible for discharge due to the following reason ( XXXX ) : A variety of factors are considered in determiningwhether a private loan should be XXXX based on school misconduct and youdo not meet the requirements for discharge based on misconduct by your school. '' On XX/XX/year>, I called the MOHELA servicing department ( XXXX ext. XXXX ) for further details. I asked the representative why the request was denied and I was told that they were not provided with that information, because the approval process is " proprietary. '' When I inquired about what further documents I could submit I was only given vague examples, including financial documents such as those I had submitted, and was simply told, " Every case is different. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Equifax and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I am filing a complaint against Experian, TransUnion, Equifax for failing to complete a credit dispute investigation within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, Experian received my written dispute letter, which I have proof of delivery for. According to the FCRA, credit reporting agencies are required to complete their investigation and respond within 30 days of receiving a consumer 's dispute. 

As of today, XX/XX/year>, Experian has not concluded the investigation nor provided me with the results of their findings. This is a clear violation of the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which mandates that the agency must complete the reinvestigation within 30 days of receiving notice of the dispute. 

I am requesting the CFPB to investigate this matter and compel Experian to : Immediately complete the investigation ; Provide a written response with the results ;

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 2025-05-28 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: TX

Complaint narrative:
I am filing a complaint against Experian, TransUnion, Equifax for failing to complete a credit dispute investigation within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, Experian received my written dispute letter, which I have proof of delivery for. According to the FCRA, credit reporting agencies are required to complete their investigation and respond within 30 days of receiving a consumer 's dispute. 

As of today, XX/XX/year>, Experian has not concluded the investigation nor provided me with the results of their findings. This is a clear violation of the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which mandates that the agency must complete the reinvestigation within 30 days of receiving notice of the dispute. 

I am requesting the CFPB to investigate this matter and compel Experian to : Immediately complete the investigation ; Provide a written response with the results ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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 formally dispute the accuracy and legality of a collection account appearing on my credit report under the name XXXX ACCOUNT ( Private ), DATE OPENED : XXXX XXXX, BALANCE : {$940.00}. I did not authorize, acknowledge, or initiate any debt with this company, nor was I ever informed or notified of their intent to report this alleged account to your agency. This entry was made without my consent, without proper validation, and without following due process under the Fair Credit Reporting Act ( FCRA ).

Violations and Legal Grounds : Under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information you report. The reporting of this unverified, unauthorized debt constitutes a failure to uphold this responsibility.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon notification of a dispute, you are required to conduct a reasonable reinvestigation. I am demanding that you initiate such reinvestigation now and delete this entry if the furnisher can not fully validate the debt with original documentation, including a signed contract bearing my name. 


I also assert my rights under 15 U.S.C. 1681c-2, which allows a consumer to request a block of information resulting from identity theft. This account is not mine, was never authorized, and its appearance on my credit profile is enabling identity fraud.

This alleged debt may be the result of identity theft as I am a victim of the Equifax Data Breach, and your reporting of this information without verified consent may expose you to legal liability under the FCRA. The collection agency in question has also failed to notify me in writing within 5 days of reporting, as required under 15 U.S.C. 1692g ( a ) of the FDCPA.

I am formally requesting : Immediate deletion of this collection account from my credit report. 


A complete investigation into the accuracy and legitimacy of this account, including obtaining full verification from the data furnisher. 


A statement of results and a new copy of my credit report reflecting the removal or correction. 


If you fail to properly investigate or continue reporting this unverifiable debt, I will be forced to file complaints with the XXXX, the State Attorney General, and pursue legal action for statutory damages. 
Please consider this a final formal dispute under the FCRA. I expect resolution within the legally mandated time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/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 2025-05-28 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: FL

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
I am filing a formal complaint against Experian for failing to investigate and remove inaccurate and unverifiable accounts from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I have disputed multiple accounts with Experian, and they have either failed to properly investigate them or have made the situation worse by continuing to report or even re-adding accounts without proper validation or notification. 

XXXX. XXXX XXXX XXXX XXXX I received a letter directly from XXXX XXXX XXXX confirming that they are not handling the account listed on my Experian report and that they have submitted a request to Experian to have it removed. Despite this, Experian continues to report the account with no explanation and has not validated it. 

XXXX. XXXX XXXX XXXX This account has been removed from my credit reports with XXXX, yet Experian continues to report it. This inconsistency is causing confusion and impacting my credit score unfairly. This account should be removed from Experian as well, since it is no longer open and has already been cleared by the other major bureaus. 

I have submitted disputes and provided documentation to Experian but have not received any adequate response or confirmation that the information has been properly verified. Their lack of action and ongoing reporting of incorrect data is damaging my creditworthiness and violates my rights under the 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 2025-05-28 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: WA

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 2025-05-28 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: Experian Information Solutions Inc.
State: TX

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 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 2025-05-28 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:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/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 2025-05-28 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am filing this complaint because Credit Acceptance Corporation failed to respond to a formal written dispute I mailed to them via certified mail, which they received on XX/XX/year>. 

In that letter, I outlined multiple factual inaccuracies and inconsistencies in the way Credit Acceptance is reporting my account to the three major credit bureaus. These discrepancies include differing XXXX payment histories, data inconsistencies between XXXX XXXX XXXX XXXX, and inaccurate status codes. 

Despite being legally obligated under the Fair Credit Reporting Act ( FCRA ) to investigate disputes and notify the consumer of the results within 30 days ( see 15 U.S. Code 1681i ( a ) ( 6 ) ), Credit Acceptance has provided no written response whatsoever.

However, I reviewed my credit reports recently and noticed that the company modified some of my account information on XX/XX/year> - XXXX days after receiving my dispute, but did not provide any notification of these changes. This is a violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( ii ), which requires furnishers to notify the consumer in writing of the results of a reinvestigation, especially if any information is updated.

This conduct constitutes willful noncompliance with FCRA because the company : - Failed to respond to my dispute in writing - Made data modifications without notifying me - Ignored the serious factual discrepancies I raised - Attempted to correct their reporting using the dispute content I provided instead of conducting an independent reinvestigation I am requesting that this account be removed from all three credit bureaus due to failure to comply with the FCRA, and due to a demonstration of ignoring consumer disputes. I have screenshots of how this account looked on my credit report both before and after ( see attached .png files, dated XX/XX/year> and XX/XX/year>, respectively ) I sent my dispute, which clearly show the changes made and prove the company acted without notifying me. I am uploading those with this complaint as supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-28 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief