vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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:
Hello, my name is XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third-party agency. Please see the following attached documentation below and meet my requests as soon as possible. Thank you for your timely compliance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third-party agency. Please see the following attached documentation below and meet my requests as soon as possible. Thank you for your timely 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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to express concern over Experian 's handling of my previous disputes. Despite providing substantial evidence that I am a victim of identity theft, including a police report, an FTC Identity Theft Report, and a letter from XXXX confirming the removal of the fraudulent account, Experian continues to report inaccurate information and asserts that the accounts have been verified without providing documentation of the verification process. 

Accounts : XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for allegedly failing to properly investigate consumer disputes and reinserting inaccurate information into credit reports. The CFPB 's complaint highlights that Experian 's practices violate the Fair Credit Reporting Act ( FCRA ) by not conducting reasonable investigations and failing to delete inaccurate information from consumer credit files. 

According to the FCRA, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information and delete or modify information that is found to be inaccurate or can not be verified. Experian 's continued reporting of inaccurate information despite the evidence I have provided appears to be in violation of these requirements.

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 2025-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: TX

Complaint narrative:
XXXX is violating the Fair Debt Collection Practices Act ( FDCPA ) by repeatedly calling me ( co-signer ) regarding past due loan payment in an amount which exceeds 7 phone calls in 7 calendar days AND calling within 7 days after discussing the loan. XXXX has been harassing me for past due payments that are the responsibility of the borrower and have notified XXXX to reach the borrower before calling me ( co-signer ). I have asked XXXX to initiate the refinancing process with the borrower to remove me from the loan or atleast begin this conversation with the borrower. 

Here is XXXX violating 7 calls in 7 days XXXX has called me from the following phone number XXXX ( XXXX ) XXXX on the following dates/times : XX/XX/year> XXXX XXXX  ( XXXX ) XX/XX/year> XXXX XXXX  ( XXXX ) XX/XX/year> XXXX XXXX  ( XXXX ) XX/XX/year> XXXX XXXX  ( XXXX ) XX/XX/year> XXXX XXXX  ( XXXX ) XX/XX/year> XXXX XXXX   ( XXXX ) XX/XX/year> XXXX XXXX  ( XXXX ) XX/XX/year> XXXX XXXX  ( XXXX ) I discussed this debt with a representative on XX/XX/year> at approximately XXXX XXXX  - XXXX XXXX  ( CST ) and was still called an additional 6 times in the proceeding week. This is a predatory and threatening debt collection tactic that is causing me severe stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I have been a Freedom Mortgage customer 7+ years. I have made my mortgage payment using the same bank account and routing number on every payment. After an incident in XXXX where using their automated system to make a payment and I didn't get a confirmation email and was 30 days late on a payment I have always called in and talked to a CS Agent to process my payment and get the confirmation number over the phone and through email. 

In XXXX and XX/XX/XXXX, my payment was returned by my bank with the indication of incorrect routing number. I've never changed my routing number in the freedom mortgage system. Freedom mortgage did not contact me of a missed payment for 2 months. There were no emails. I was not advised when I called in to make my XXXX payment that I " missed '' XXXX. It wasn't until late XXXX XXXX that I learned of the situation and immediately made payment to bring my mortgage up to date. 

I've talked to Freedom Mortgage and asked them to open a case to remedy this as its a very negative mark on my credit report. No resolution has occured. 

The Payment confirmations are for the returned payments are... 
XX/XX/XXXX Total Amount to Transfer : {$2800.00} Confirmation Number : XXXX Payment Date : XX/XX/XXXX XX/XX/XXXX Total Amount to Transfer : {$2800.00} Confirmation Number : XXXX Payment Date : XX/XX/XXXX Once I found out these payments weren't processed and were returned by my bank ( XXXX  ) I immediately made these payments in XXXX. This is when I learned that my routing number was incorrect in Freedom Mortgage 's system. I've never had to confirm my routing number in the past and have since confirmed it each month with my payment. 

Total Amount to Transfer : {$3100.00} Confirmation Number : XXXX Payment Date : XX/XX/XXXX Total Amount to Transfer : {$2800.00} Confirmation Number : XXXX Payment Date : XX/XX/XXXX Total Amount to Transfer : {$5700.00} Confirmation Number : XXXX Payment Date : XX/XX/XXXX Total Amount to Transfer : {$2800.00} Confirmation Number : XXXX Payment Date : XX/XX/XXXX Thank you, 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 2025-03-24 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:
" 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!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-24 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: CA

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!

"

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 2025-03-24 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: SC

Complaint narrative:
Subject : Request for Investigation and Compliance with FCRA Sections 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681e ( b ) To Whom It May Concern, I am writing to formally request an investigation into inaccurate and incomplete information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking my rights unde

r **15 U.S.C. 1681i ( a ) ( 7 ) ** and **15 U.S.C. 1681e ( b ) ** to ensure the accuracy and fairness of my credit report. XXXX XXXX XXXX  15 U.S.C. 1681i ( a ) ( 7 ) Disclosure of
Reinvestigation Process I request a clear and detailed explanation of your reinvestigation process, as required by **15 U.S.C. 1681i ( a ) ( 7 ) **. Please provide me with the methods used, sources consulted, and all supporting documentation obtained during your verification of the disputed information. 

XXXX XXXX XXXX  15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy Under **15 U.S.C. 1681e ( b ) **, credit reporting agencies must ensure that the information contained in a consumers credit report is accurate and up to date. I believe that certain accounts or records on my report have not been adequately verified and may be incorrect. I request that you immediately review and correct any inaccuracies or provide documented proof of their validity. 

I have attached copies of my identification and supporting documents regarding the disputed information. Please conduct a thorough investigation and update my file accordingly. If you find that the information can not be verified, I request its immediate removal from my credit report. 

Please provide a written response within the legally required timeframe, confirming the results of your investigation and any corrective actions taken. Failure to comply with my request may result in further legal action. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: SC

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX DOB XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$15000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$11000.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Opened : XX/XX/XXXX Account name : XXXX XXXX Amount XXXX : XX/XX/XXXX XXXX name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX Amount XXXX XXXX name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX  Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Amount Opened : 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 non-monetary relief
Consumer complaint received 2025-03-24 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Late/Open Inquiry in Dispute : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Late/Open Inquiry in Dispute : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: IL

Complaint narrative:
I submitted a complaint to XXXX XXXX on XX/XX/XXXX ( Complaint ID XXXX ) and XX/XX/XXXX ( Complaint ID XXXX ) and both claims were closed after MARS INC responded with an itemized document. This letter is in response to those claims. MARS INC claims that I Owe {$2700.00}. I requested that MARS INC provided me with a copy of any viable evidence showing the account is being reported accurately. 

On XX/XX/XXXX I sent this message via CFPB : " I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful noncompliance. '' To which they have responded : " The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. '' As of XX/XX/XXXX I still have not received any letter or documentation outlining the verification of this debt despite all efforts of sending communications and calling the number that was provided to me via the CFPB. This has caused a significant hardship on me and my credit report and ask that this account be removed and closed. 

Per the FCRA and CFPB regulations, you must respond to consumer complaints within 30 days, and you have not. please note that the previous complaint sent to you on XX/XX/XXXX outlines that As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification- So any verification method used prior to XX/XX/XXXX is null and void and does not constitute as verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was working on a modification with wells fargo and they overcharged me in fees

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 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OR

Complaint narrative:
My school loans went from XXXX to Mohela. When I try to log into their website it says I have no account. I try calling but its 4-6 hour wait. Ive been trying to lower my payments since my IDR I can not reapply so it went up a significant amount. But I cant get any help an no direction on what I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NY

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following XXXX XXXX XXXX  Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], Experian, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXXXXXX XXXX XXXX XXXX 
# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
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