vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Experian I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
Subject : Final Notice Demand for Deletion of Inaccurate Information Under the FCRA To Whom It May Concern, I am writing this final notice regarding an ongoing inaccuracy on my credit report, which I have disputed multiple times without resolution. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information. However, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) continues to be misreported, in violation of federal law. 

Errors in Reporting : The balance update date is listed as XX/XX/XXXX, which is a future date, making it factually impossible for this information to be accurate. Reporting unverifiable or incorrect information violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. 

This account was charged off in XX/XX/XXXX, meaning the creditor has already written off the debt. Yet, it continues to be reported as past due in XXXX, which is inaccurate and misleading. 

Charge-offs should not be continuously updated as past due. Per the FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers can not report information they know or should know is inaccurate.

Since I have disputed this account multiple times, and it remains incorrect, this constitutes willful noncompliance, which is a violation of 15 U.S.C. 1681n and will result in legal action.

My Demands : 1. Immediate deletion of this account from my credit report due to its inaccurate and unverifiable nature. 

2. A written confirmation stating the removal of this incorrect information.

3. An updated copy of my credit report reflecting the corrections.

If this matter is not resolved within 7 days, I will escalate this issue by filing complaints the Federal Trade Commission ( FTC ), and the XXXX and I will pursue legal action for damages as allowed under 15 U.S.C. 1681n. 

This letter serves as formal notice of your legal obligations, and failure to comply will result in further action. I expect your prompt response. 

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 explanation
Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
Subject : Final Notice Demand for Deletion of Inaccurate Information Under the FCRA To Whom It May Concern, I am writing this final notice regarding an ongoing inaccuracy on my credit report, which I have disputed multiple times without resolution. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information. However, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) continues to be misreported, in violation of federal law. 

Errors in Reporting : The balance update date is listed as XX/XX/XXXX, which is a future date, making it factually impossible for this information to be accurate. Reporting unverifiable or incorrect information violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. 

This account was charged off in XX/XX/XXXX, meaning the creditor has already written off the debt. Yet, it continues to be reported as past due in XXXX, which is inaccurate and misleading. 

Charge-offs should not be continuously updated as past due. Per the FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers can not report information they know or should know is inaccurate.

Since I have disputed this account multiple times, and it remains incorrect, this constitutes willful noncompliance, which is a violation of 15 U.S.C. 1681n and will result in legal action.

My Demands : 1. Immediate deletion of this account from my credit report due to its inaccurate and unverifiable nature. 

2. A written confirmation stating the removal of this incorrect information.

3. An updated copy of my credit report reflecting the corrections.

If this matter is not resolved within 7 days, I will escalate this issue by filing complaints the Federal Trade Commission ( FTC ), and the XXXX and I will pursue legal action for damages as allowed under 15 U.S.C. 1681n. 

This letter serves as formal notice of your legal obligations, and failure to comply will result in further action. I expect your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
On XXXX, I received a callback from Mohela customer service in relations to my PSLF overpayment refund. The representative stated that the amount Mohela will refund is {$5400.00}. This amount only reflects ten months of overpayment, half of what I have overpaid. Per the Federal Student Aid department, I have successfully made 140 qualifying payments toward the 120 payments needed to be forgiven. I have 20 months of over payment. My monthly payment is {$540.00}. Twenty payments at {$540.00} equals a total of {$10000.00}. Mohela 's representative stated that they are not responsible for the calculation and that I would need to reach out to FSA for any corrections. I then called FSA ( PSLF ) and the representative stated that they are not in charge of the refunds and that I would need to file a formal complaint against Mohela for not reimbursing the correct amount I had overpaid. I have followed all the corrective steps with both agencies and would like to be compensated for my overpayments in which FSA shows I have met.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX XXXX XXXX XXXX XXXX  is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX XXXX XXXX XXXX XXXX are inaccurate and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: LA

Complaint narrative:
I recently reviewed my credit report and noticed that my personal information is incorrect, which has been causing issues with my credit applications. This has been incredibly frustrating, as these errors are preventing me from moving forward financially.

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 2025-03-12 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: AL

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MI

Complaint narrative:
I have made multiple attempts to resolve this matter with American Profit Recovery, but they have failed to respond to my requests for verification or payment options. Under the Fair Credit Reporting Act ( FCRA ), any information reported on my credit file must be accurate and verifiable. Since the company has not provided validation of this debt, I am formally requesting its removal from my credit report due to non-verification. Per FCRA guidelines, the credit bureaus are required to investigate this dispute within 30 days and remove any unverifiable information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want them removed

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 2025-03-12 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: TX

Complaint narrative:
TransUnion has failed to fulfill its legal obligation under FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against TransUnion, 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 TransUnion has neither corrected nor removed disputed items dispite 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 TransUnions inaction violates federal law and my rights as a consumer.

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 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
I am on the correct payment plan and have consolidated my loans for years now. In XX/XX/XXXX, I met qualifying 120 payments and submitted my employee certification form. On XX/XX/XXXX, my payment counts updated to 118. I have submitted additional employee certification forms XXXX XXXX XXXX XXXX  ) and my payment counts are not being updated. The last payment showing is XX/XX/XXXX but should reflect until at least XX/XX/XXXX at this time. 

I have filed complaints and it was closed without sending me an email about the matter. I have completed 2 reconsiderations in which payment counts were not updated. Numerous Student Fed PSLF employees have told me they see the payments from Mohela on their side and do not know why theyre not showing up on my payment counts. 

I am requesting help in getting an updated payment count to my account as I have met all requirements for completion to PSLF forgiveness. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXX XXXX PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject XXXX Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear , Transunion, Experian , Equifax I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX that was fraudulently opened in my name due to identity theft. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : A copy of my government-issued ID. 
A copy of a recent utility bill ( to verify my address ). 
A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ] Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want them removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want them removed

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