vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the unexpected transfer of my federal student loans from XXXX to MOHELA without any prior notice or communication from either servicer. 

I received a congratulatory email from XXXX stating that my loans had been paid in full and that no further payments were required. At no point was I informed that the loans would be transferred to another servicer. I checked my XXXX account inbox, where all official messages are stored, and found no record of any communication about a loan transfer. 

Several months later, I began receiving physical mail from MOHELA stating that I had an upcoming payment due. This was the first time I became aware that my loans had been transferred. I did not receive any prior communication from MOHELA or XXXX regarding this change, which left me confused and concerned. 

My contact information has always been accurate, and I have successfully received other communications from XXXX in the past. I believe this failure to notify me in advance violates federal regulations that require borrowers to be informed in writing when their loan servicing is being transferred. 

Although I have since made small payments to MOHELA in good faith to avoid any negative impact on my credit, I am requesting the following : A clear explanation of why no advance notice was provided by XXXX Documentation from MOHELA showing when and how they attempted to notify me Confirmation that this transfer process complied with all federal student loan servicing requirements Guidance on my rights to dispute this issue and address any potential reporting errors with the credit bureaus I respectfully ask the CFPB to investigate this matter and ensure both servicers are held accountable for improper communication practices. 

Thank you for your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXTransUnion or the specific Creditor Subject : Dispute of Unauthorized Credit Inquiry To Whom It May Concern, I am writing to formally dispute unauthorized credit inquiries listed in my credit report. Upon reviewing my recent credit file, I observed inquiries made by the following companies, which I did not authorize : XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, I have not granted these entities permission to access my credit report, nor have I initiated any transactions that would warrant such inquiries. These entries are unauthorized and constitute a violation of my rights under the Fair Credit Reporting Act 604 and my right to privacy.

Therefore, I am requesting that your bureau : Initiate an immediate investigation into the origin of these inquiries.

Provide me with the names, addresses, and contact information of any individuals or businesses who initiated the inquiries.

Supply copies of any documentation allegedly authorizing the credit inquiries, including any documents with my signature.

If it is determined that I did not authorize these inquiries, I request that they be promptly removed from my credit report. Please confirm in writing once this has been done. If you believe these inquiries were made with valid authorization, please provide proof of such authorization.

Additionally, under 612 of the FCRA ( 15 U.S.C. 1681j ), I am requesting a complimentary copy of my updated credit report reflecting the results of this investigation.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit score has not been updated since XX/XX/year>, I have old inquiries that I have req to be removed from my credit report, there are accounts on my credit history that have been removed by the creditor that experian has not removed.i have also purchased a new vehicle and have also received a new credit card which does not show on my credit report and effectively denying me accurate information on my credit report.I would like my credit report profile to be updated

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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against JEFFERSON CAPITAL SYSTEM regarding an account I have with them XXXX * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( Original Creditor : XXXX XXXX ) XXXX * * * * Balance : {$2200.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with JEFFERSON CAPITAL SYSTEM but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XX/XX/year> SECURITY CREDIT SERVIC XXXX, XXXX XXXX Re : Cease Communication and Deletion Request under XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am formally requesting that you immediately cease all communication with me in accordance with my rights under the Fair Debt Collection Practices Act, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Furthermore, I demand that you delete this account from all credit reporting agencies to which it may have been reported. 

I have reason to believe that this alleged debt is inaccurate, unverifiable, or otherwise not legally enforceable. If you can not provide complete and documented validation of the debtincluding a signed agreement, full accounting, and proof that you have the legal right to collectit must be removed from any credit reporting agency as reporting inaccurate or unverified information is a violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. I also reserve the right to pursue legal remedies for any continued collection activity or reporting of unverifiable debt. 

This is a final notice. Please consider this my formal request for you to cease all further contact and remove all references to this account from my credit file immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have hard inquires on my three credit bureau that I did not consent to. XXXX demanding that the removal of all inquiries from all three bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out to CFPB several times over the past year for assistance with handling the unlawful acts that are happening to me. I have formally disputed the inclusion of several accounts on my credit report that have been inaccurately handled. Specifically, these accounts were either not properly investigated or have been reinserted despite their prior removal. Additionally, I have noticed that closed accounts were transferred to third-party entities without my authorization. Despite their claim of being unable to locate my credit profile, they are actively reporting inaccurate information on my credit report. I have sent this company the requested identifying documents several times, but there has been no resolve. Furthermore, it has taken them more than 30 days on several occasions to investigate my disputed accounts. This has been an ongoing struggle for a year now, and I will be taking legal action if I am unable to get this situation rectified through CFPB. This inconsistency constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). This has negatively impacted my creditworthiness and has caused me to face denials for employment opportunities and other essential assistance. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. DISCHARGE XXXX BANKRUPTY 8 . XXXX In accordance with the FCRA : 1. If these accounts can not be verified as accurate, they must be removed from my credit report immediately. 2. If reinsertion has occurred, I request documentation that justifies such actions, including the specific entities that verified the accounts and the reasons for their reentry. 3. I request a full reinvestigation of these accounts with detailed documentation regarding their origin, verification process, and current status. I still have not received any of the documentation I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to CFPB several times over the past year for assistance with handling the unlawful acts that are happening to me. I have formally disputed the inclusion of several accounts on my credit report that have been inaccurately handled. Specifically, these accounts were either not properly investigated or have been reinserted despite their prior removal. Additionally, I have noticed that closed accounts were transferred to third-party entities without my authorization. Despite their claim of being unable to locate my credit profile, they are actively reporting inaccurate information on my credit report. I have sent this company the requested identifying documents several times, but there has been no resolve. Furthermore, it has taken them more than 30 days on several occasions to investigate my disputed accounts. This has been an ongoing struggle for a year now, and I will be taking legal action if I am unable to get this situation rectified through CFPB. This inconsistency constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). This has negatively impacted my creditworthiness and has caused me to face denials for employment opportunities and other essential assistance. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. DISCHARGE XXXX BANKRUPTY 8 . XXXX In accordance with the FCRA : 1. If these accounts can not be verified as accurate, they must be removed from my credit report immediately. 2. If reinsertion has occurred, I request documentation that justifies such actions, including the specific entities that verified the accounts and the reasons for their reentry. 3. I request a full reinvestigation of these accounts with detailed documentation regarding their origin, verification process, and current status. I still have not received any of the documentation I have requested.

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 2025-04-25 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: LA

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ms XXXX XXXX XXXX XX/XX/XXXX EquifaxXXXXXXXX  or the specific Creditor Subject : Dispute of Unauthorized Credit Inquiry To Whom It May Concern, I am writing to formally dispute unauthorized credit inquiries listed in my credit report. Upon reviewing my recent credit file, I observed inquiries made by the following companies, which I did not authorize : 1. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 4 XXXX XXXX XXXX XXXXXX/XX/XXXX 5.XXXX XXXX XXXX XXXXXX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX To the best of my knowledge, I have not granted these entities permission to access my credit report, nor have I initiated any transactions that would warrant such inquiries. These entries are unauthorized and constitute a violation of my rights under the Fair Credit Reporting Act 604 and my right to privacy. 

Therefore, I am requesting that your bureau : Initiate an immediate investigation into the origin of these inquiries. 
Provide me with the names, addresses, and contact information of any individuals or businesses who initiated the inquiries. 
Supply copies of any documentation allegedly authorizing the credit inquiries, including any documents with my signature. 

If it is determined that I did not authorize these inquiries, I request that they be promptly removed from my credit report. Please confirm in writing once this has been done. If you believe these inquiries were made with valid authorization, please provide proof of such authorization. 

Additionally, under 612 of the FCRA ( 15 U.S.C. 1681j ), I am requesting a complimentary copy of my updated credit report reflecting the results of this investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 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. Please delete the items as soon as possible.

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 2025-04-25 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: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was looking for housing in XXXX XXXX for my internship and came across a post on XXXX from a person named XXXX XXXX on XX/XX/XXXX. I contacted her regarding the listing, and she asked for an application fee of {$100.00} to schedule a visit. I sent her the {$100.00} via XXXX on XX/XX/XXXX, but the transaction didn't go through. She then pressured me to call my bank to make the transaction successful, which I did. 

The following day ( XX/XX/XXXX ), she created additional pressure for me to send a {$550.00} housing deposit before I arrived, claiming it was needed for her to make arrangements. I again sent her the {$550.00} via XXXX, and she made me call my bank to make the transaction go through. 

When I arrived at the property, the neighbor informed me that the house was not for rent. I realized I had been scammed. The person who claimed to be XXXX XXXX blocked me on XXXX and made her contact numbers unreachable. 

I immediately contacted my bank and opened a claim. However, on XX/XX/XXXX, I received a denial letter stating that since I authorized the transactions, they could not recover the money. I believe this was a scam, and I expected more support from the bank in this situation. 

I also filed a police report at the XXXX XXXX  on XX/XX/XXXX, with the report number XXXX. I am still waiting for an investigator to be assigned to my case. 

In the meantime, I reopened my claim with the bank, and I believe it is still pending. Additionally, I filed an FTC report on XX/XX/XXXX, with the report number 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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX {$5600.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX  {$1100.00}

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