vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: MO

Complaint narrative:
Greetings, I am sending this follow-up regarding the fraudulent items on my file that I would like to have removed from my credit report. I appreciate that many negative items have been removed, and I am grateful for that. However, there are still more fraudulent items remaining on my Experian, Equifax, and TransUnion credit reports. I kindly request that all remaining fraudulent items be removed from my file, as required by law. Please see the list of fraudulent items below that I would like to be removed from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX * * * * Balance : {$500.00} XXXX XXXX XXXX XXXX * * Balance : {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX * * Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX * * Balance : {$12000.00}

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
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted this dispute several times regarding an account on my credit report that I continue to believe is inaccurate and incomplete. Despite my repeated efforts to address the issue, the incorrect information is still being reported, and it appears that a proper review has yet to take place. 

This situation has been incredibly stressful and is beginning to take a toll on my overall well-being and daily life. The continued lack of resolution has left me feeling drained and disheartened. 

Please note, I am submitting this dispute personallythere is no third party involved. I kindly ask that this matter be given the attention it deserves and that a full and fair investigation be completed as soon as possible. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
CFPB, I am submitting this complaint regarding the mishandling of my private student loans, which are owned by XXXX but currently serviced by MOHELA. 
Despite XXXX being previously sued for deceptive practices and poor customer service, they still retain ownership of my loans. This is troubling and suggests that the legal consequences they faced were insufficient. That said, the more urgent and harmful issue lies with MOHELAs handling of these loans. 
Since MOHELA took over servicing, I have experienced customer service that is even worse than XXXX. MOHELA has consistently failed to provide sufficient or accurate information regarding my accounts. They have placed my loans into random forbearances without explanation, seemingly due to internal miscommunication or error. Their servicing has been marked by a complete lack of accuracy, competency, and integrity. 
Additionally, I have XXXX private student loans that should have been discharged, yet MOHELA continues to report them as active. This ongoing misreporting has damaged my credit and caused unnecessary financial hardship. I have attempted to resolve these issue multiple times, but MOHELA has either ignored or inadequately addressed my concerns. 
The credit reporting history on these accounts is entirely inaccurate, and I am requesting that the CFPB conduct a full audit of MOHELAs reporting and account management practices. These persistent errors continue to harm my financial standing without justification. 
To summarize : My account history is inconsistent and inaccurate ; XXXX loans that should have been discharged remain falsely active ; Credit reporting is riddled with errors that have affected my credit score ; Customer service has repeatedly failed to provide clear or accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
This is a response to a closed complaint. I spoke to XXXX after this complaint. XXXX removed the charge since it was a bill for services not rendered. I have a screen shot from XXXX confirming a XXXX balance. Please take this off my credit reports asap. Please call XXXX to confirm XXXX balance. XXXX said this shouldnt be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In XX/XX/XXXX I mailed in two request to have fraudulent inquiries blocked off my credit report due to identity theft. I have sent in a letter stating the inquiries along with a FTC report, utility Bill, Driver license, social security number to Validate my identity but the company refuse to act telling me that this letter did not come from me, ive called in to them to let them know that this is my letter, that the inquiries ; XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX . Where Transunion has Is violated my due process rights when they failed to properly remove fraudulent inquiries off my report due to Fraud per FCRA, this is the same Reason XXXX, XXXX  is being sued by your office.

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 2025-04-30 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: AZ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-30 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: TX

Complaint narrative:
b'This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal: Pursuant to 15 U.S. Code  1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four (4) business days of receiving this letter. These are the list of Items need to be deleted ASAP:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S. Code 1681a(2)(B) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
Im writing to follow up on my previous complaint about identity theft. Ive recently discovered that several accounts were opened in my name without my knowledge, consent, or authorization. As a result, my credit has been severely impacted, and I am now a victim of identity theft. Under Section 605B ( a ) of the Fair Credit Reporting Act, I understand that you are required to remove any fraudulent items from my credit report within 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX Reporting Unverified Debt Request for Immediate Deletion from Credit Reports Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX for continuing to report an unverified and disputed debt on my credit reports with Experian, TransUnion, and Equifax in the amount of {$20000.00}, listed as a collection or charge-off account. 

On XX/XX/year>, I received a collection letter from XXXX XXXX XXXX XXXX, identifying themselves as an authorized agent of XXXX XXXX XXXX XXXX attempting to collect this alleged debt. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I promptly disputed this debt and requested validation. 

XXXX XXXX XXXX XXXX failed to validate or verify the debt as required under 15 U.S. Code 1692g ( b ) of the FDCPA. They subsequently responded via the CFPB portal, confirming that my account was closed and that no further collection activity would take place. 

Despite this, XXXX XXXX XXXX XXXX continues to report this account to all three major credit bureaus, even though it has not been validated. This is a direct violation of : 15 U.S.C. 1681s-2 ( b ) : Furnishers must investigate disputed information and delete unverifiable data.

15 U.S.C. 1681e ( b ) : Obligation to report with maximum possible accuracy.

15 U.S.C. 1692g ( b ) : Requires cessation of collection until debt validation is provided. 

Continued reporting of this disputed and unverified account is inaccurate, misleading, and damaging to my creditworthiness. It is unlawful under both the FCRA and FDCPA, and XXXX XXXX XXXX XXXX XXXX be subject to civil liability under 15 U.S.C. 1681n and 1681o, including actual and statutory damages, attorneys fees, and punitive damages. 

Requested Resolution : I am requesting that the XXXX XXXX XXXX XXXX account for {$20000.00} be immediately deleted from my credit reports with : Experian TransUnion Equifax I also request that the CFPB ensure this account is not sold, reassigned, or transferred to any third-party collectors, and that XXXX XXXXl is held accountable for reporting unverified information in violation of federal law. 

Attachments : CFPB response from XXXX XXXX confirming account closure

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 2025-04-30 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-30 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  sc XXXX XXXX To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Re : Demand for Immediate Deletion of Erroneous Charge-Off Account XXXX XXXX  To Whom It May Concern : This letter serves as formal notice that I dispute the validity and accuracy of the alleged debt associated with the account opened in XX/XX/XXXX, with an alleged balance of {$890.00}, which has been reported as a charge-off. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : 15 U.S. Code 1692a Definitions 15 U.S. Code 1692k Civil Liability 15 U.S. Code 1640 Civil Liability ( Truth in Lending Act ) 15 U.S. Code 1681 ( a ) ( 1 ) Right to fair and accurate reporting 15 U.S. Code 1681 ( a ) ( 4 ) Protection from misuse of credit reports 15 U.S. Code 1692a ( 5 ) Definitions including debt 15 U.S. Code 228 ( This appears to be a misreference ; possibly intended to reinforce above rights ) Under the law, you are required to report only accurate, timely, and verifiable information to the credit bureaus. If you can not provide a signed contract and verifiable validation of this alleged debt, then you are in violation of federal law by reporting it. Moreover, the reporting of inaccurate or unverifiable information damages my reputation and financial standing, and it is causing measurable harm. 
Accordingly, I demand that you : 1. Immediately delete the above-referenced account from any and all credit reporting agencies ( EquifaxXXXX XXXX, TransUnion ) XXXX 
2. Provide written confirmation that this item has been permanently deleted.

If this demand is not fully satisfied within 15 calendar days, I will initiate a legally binding arbitration proceeding under the applicable consumer protection laws and seek statutory damages, actual damages, legal fees, and injunctive relief.

Additionally, a copy of this letter is being sent to all three major credit bureaus with a formal dispute. 

Credit Bureau Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX You are now on formal notice. Govern yourself accordingly. 

Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  sc XXXX XXXX To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Re : Demand for Immediate Deletion of Erroneous Charge-Off Account XXXX XXXX  To Whom It May Concern : This letter serves as formal notice that I dispute the validity and accuracy of the alleged debt associated with the account opened in XX/XX/XXXX, with an alleged balance of {$890.00}, which has been reported as a charge-off. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : 15 U.S. Code 1692a Definitions 15 U.S. Code 1692k Civil Liability 15 U.S. Code 1640 Civil Liability ( Truth in Lending Act ) 15 U.S. Code 1681 ( a ) ( 1 ) Right to fair and accurate reporting 15 U.S. Code 1681 ( a ) ( 4 ) Protection from misuse of credit reports 15 U.S. Code 1692a ( 5 ) Definitions including debt 15 U.S. Code 228 ( This appears to be a misreference ; possibly intended to reinforce above rights ) Under the law, you are required to report only accurate, timely, and verifiable information to the credit bureaus. If you can not provide a signed contract and verifiable validation of this alleged debt, then you are in violation of federal law by reporting it. Moreover, the reporting of inaccurate or unverifiable information damages my reputation and financial standing, and it is causing measurable harm. 
Accordingly, I demand that you : 1. Immediately delete the above-referenced account from any and all credit reporting agencies ( EquifaxXXXX XXXX, TransUnion ) XXXX 
2. Provide written confirmation that this item has been permanently deleted.

If this demand is not fully satisfied within 15 calendar days, I will initiate a legally binding arbitration proceeding under the applicable consumer protection laws and seek statutory damages, actual damages, legal fees, and injunctive relief.

Additionally, a copy of this letter is being sent to all three major credit bureaus with a formal dispute. 

Credit Bureau Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX You are now on formal notice. Govern yourself accordingly. 

Sincerely, XXXX 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 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
My husband ( XXXX XXXX ) and I live in XXXX Tx. Our address is XXXX XXXX XXXX, XXXX TX XXXX. We are victims of the XXXX XXXX of mortgage fraud. Or so an attorney named XXXX XXXX from XXXX told us. 

In a nutshell, XXXX XXXX told my husband and I we were going to be applying for a 30 year refinance mortgage on our 5 acre homestead. One week before closing we receive a changed circumstance letter stating that my husband requested to change our mortgage, we received 2 of these letters, the second was 4 days before closing. When we confronted the XXXX XXXX XXXX Manager for Prosperity montage ( our Loan officer XXXX XXXX ) he said nothing had changed on our loan, only the amount. Which was only a couple {$1000.00} difference. He assured my husband and I nothing changed on our loan. 

However he without our knowledge or consent changed our loan to a non-homestead loan, worked with the title company ( XXXX XXXX XXXX title ) to fraudulently procure a non-homestead affidavit, the day after closing. When they allowed us to pick up our closing documents, the ones they switched out, and then had the secretary tell my husband and I to sign a document to show we picked up closing docs. However that signature page was the second page to a non homestead affidavit, waiving our rights to ever claim our property as our homestead. This is the only property we own. Additionally on our loan application XXXX XXXX separated 1 acre from our 5 acres and labeled it an investment property, WITHOUT OUR KNOWLEDGE OR CONSENT. 

XXXX XXXX during this time, was secretly working with our builder to add a {$45000.00} builders fee, say he forgot to price our {$30000.00} garage, and tell his subs to add 10 % to invoices before they send them to him. 

XXXXXXXX XXXX  has also tried to cover up this mortgage fraud. They were informed of this fraud, and have tried to cover it. Allowing a criminal to continue to commit crimes. 

Additionally, our mortgage documents will show that XXXX XXXX acted with intent to defraud my husband and I many times. 


Please we are desperate for help. 

Ps. Im sure we have been hacked so I hope you receive this information. 

XXXX XXXX

Company response to consumer: Closed with explanation