vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
Improper use of credit report child support reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: OH

Complaint narrative:
Mohela has taken over for navient in which they are no better. However mohela is saying I owe over XXXX in student loans for a school I never applied for and I have reached out to mohela several times sending them proof of all my loans are paid in full and this issue is still not resolved and it's been going on XXXX  years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
Your credit report from Equifax, XXXX, and XXXX contains conflicting information about your XXXX XXXX XXXX account. Equifax claims the account was updated, but several key details do not match across the bureaus, including : 1. High Credit : Missing in Equifax but reported as {$21000.00} in XXXX. 
2. Date of Last Activity : XX/XX/XXXX in Equifax vs. XX/XX/XXXX in XXXX. 
3. Date Reported : XX/XX/XXXX in Equifax vs. XX/XX/XXXX in XXXX. 
4. Closed Date : Missing in Equifax but listed as XX/XX/XXXX in XXXX. 
5. Loan Type & Status : Listed inconsistently across reports. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report accurate, consistent, and verifiable information. Since Equifax claims they updated the account but the updates are inaccurate, you are disputing the errors and requesting correction or removal of unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NJ

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 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 2025-03-04 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: DC

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 2025-03-04 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: CO

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Glasser and Glasser law firm contacted me regarding a {$6000.00} debt from XXXX XXXX. They stated a court date was imminent, leaving me with insufficient time to prepare legal representation. After requesting and receiving the summons, I attended the XXXX court date and was instructed to arrange payment. Despite numerous attempts to contact the firm, my calls were not returned. I initiated {$100.00} payments while trying to establish a formal plan. Subsequently, I received a second summons for a garnishment hearing. This resulted in my bank account being emptied shortly before Christmas, creating the impression of non-compliance. At the second court appearance, I again attempted to discuss payment arrangements, but the firm remained unresponsive. The court clerk acknowledged the firm 's unresponsiveness to both myself and the court. I believe the firm 's deliberate avoidance of communication is causing undue stress, and I anticipate further actions, such as wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
I XXXX XXXX have filed an Identity theft report regarding this fraudulent account remove this from my credit report l asked for my signature which resulted in this claim against me nothing. The document that they sent to this address still does not identity this is me a. Letter of validation proving you sent this to this address does not justify this is me. There is no proven evidence so please state evidence regarding my signature and the following Original purchase agreement that shows you are the legal owner of this debt please include all terms in conditions that are included in this purchase agreement.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-04 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: IN

Complaint narrative:
My information was involved in a data breach.

Im noticing unfamiliar accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IN

Complaint narrative:
My information was involved in a data breach.

Im noticing unfamiliar accounts on my report.

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 2025-03-04 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: DC

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 explanation
Consumer complaint received 2025-03-04 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: NJ

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 2025-03-04 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-04 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:
XXXX XXXX XXXX XXXX XXXX ct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information Request for Removal of Accounts under USC 1681 Dear Sir/Madam, I am writing to formally dispute the accuracy of information reported on my credit file, specifically regarding the accounts listed under XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, and after reviewing my credit report, I have identified several discrepancies concerning these accounts. My information was leaked in the data breach and I believe that these entries are inaccurate and should be removed from my credit file as outlined under USC 1681. 



The details of the disputed accounts are as follows : 1. Account # 2 XXXX {$190.00} 2. Account # 3 XXXX {$60.00} 3. Account # XXXX XXXX XXXX {$680.00} 4. Account # XXXX XXXX XXXX {$490.00} These accounts have been reported inaccurately and I request that you thoroughly investigate each one. I am requesting that all XXXX accounts be removed from my credit report due to non-compliance with the provisions of the Fair Credit Reporting Act and because the information is incorrect. 



Under the FCRA ( USC 1681 ), I am entitled to a fair and accurate credit report. As such, I ask that you investigate these items and correct or remove the accounts that are being reported inaccurately. Please provide me with a written statement detailing the results of your investigation and any actions taken on these accounts. 



If the information can not be verified as accurate, I expect these accounts to be permanently removed from my credit report. 



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



Sincerely, 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 explanation
Consumer complaint received 2025-03-04 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:
XXXX XXXX XXXX XXXX XXXX ct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information Request for Removal of Accounts under USC 1681 Dear Sir/Madam, I am writing to formally dispute the accuracy of information reported on my credit file, specifically regarding the accounts listed under XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, and after reviewing my credit report, I have identified several discrepancies concerning these accounts. My information was leaked in the data breach and I believe that these entries are inaccurate and should be removed from my credit file as outlined under USC 1681. 



The details of the disputed accounts are as follows : 1. Account # 2 XXXX {$190.00} 2. Account # 3 XXXX {$60.00} 3. Account # XXXX XXXX XXXX {$680.00} 4. Account # XXXX XXXX XXXX {$490.00} These accounts have been reported inaccurately and I request that you thoroughly investigate each one. I am requesting that all XXXX accounts be removed from my credit report due to non-compliance with the provisions of the Fair Credit Reporting Act and because the information is incorrect. 



Under the FCRA ( USC 1681 ), I am entitled to a fair and accurate credit report. As such, I ask that you investigate these items and correct or remove the accounts that are being reported inaccurately. Please provide me with a written statement detailing the results of your investigation and any actions taken on these accounts. 



If the information can not be verified as accurate, I expect these accounts to be permanently removed from my credit report. 



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



Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
On XX/XX/XXXX, I sent a formal dispute to Equifax regarding accounts that were reported on my credit report as a result of identity theft, specifically relating to a bankruptcy filed in XXXX, which I did not initiate. Along with my dispute, I submitted the following supporting documents : An FTC Identity Theft Affidavit. 
A XXXX, XXXX  Police Report detailing the identity theft. 
A copy of my personal identity verification documents, including my XXXX  drivers license and Social Security card. 
The bankruptcy, which was filed in XXXX, and the fraudulent accounts associated with my name were reported on my credit file despite my living in XXXX  for the past nine years. My XXXX  drivers license was issued on XX/XX/XXXX, and is valid until XX/XX/XXXX. 

3. Equifaxs Response I received a response from Equifax rejecting my request to block the fraudulent accounts, citing section 605B ( c ) of the Fair Credit Reporting Act ( FCRA ) as the basis for their refusal. Despite my clear evidence and the police report confirming that the accounts are fraudulent and linked to identity theft, they continue to report the erroneous information. 

4. Legal Grounds for Complaint Under section 605B of the FCRA, a consumer is entitled to have information blocked from their credit report if it is a result of identity theft, provided they submit : A police report confirming the identity theft. 
A sworn statement detailing that the accounts were not authorized by the victim. 
I have provided both a police report from XXXX, XXXX, and an FTC Identity Theft Affidavit. According to the law, Equifax is required to block these fraudulent accounts within four business days of receiving such documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/year> I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXX XXXXXXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.

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 2025-03-04 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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