vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: MOHELA
State: PA

Complaint narrative:
Details of the Complaint : I am filing this complaint against MOHELA for attempting to collect a student loan debt that I dispute and for failing to provide legally required documentation to validate the debt. 

MOHELA claims that I, XXXX XXXX XXXX, owe a XXXX student loan in the amount of {$29000.00} under account number XXXXXXXX XXXX XXXX. I have requested full validation of this debt, including : XXXX. A signed Master Promissory Note ( XXXX ). 
XXXX. The original loan details, including disbursement and payment history. 
XXXX. Documentation of any loan transfer or assignment to MOHELA. 
XXXX. Legal authority to collect on the alleged debt. 

I submitted a formal written request for debt validation, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. CXXXXe XXXXg, but MOHELA has failed to respond with the requested documents. 

Additionally, I checked my account at XXXX : XXXX, and there is no MPN or loan record associated with my name or FSA ID. 

Despite this, MOHELA continues to claim I owe the debt and may be reporting it to credit bureaus or preparing for further collection action. 

This is a violation of my rights under federal law, and the debt should not be enforced without proper validation. 

XXXX Resolution Requested : I respectfully request that the CFPB investigate this matter and direct MOHELA to : Cease all collection activity until the debt is fully validated. 
Provide the legally required documentation, especially a copy of the signed Master Promissory Note. 
Remove any negative reporting related to this account from my credit report if the debt can not be validated. 
Ensure MOHELA complies with the FDCPA and Department of Education rules governing student loan collections.

Thank you for your assistance. Resolution Requested : I respectfully request that the CFPB investigate this matter and direct MOHELA to : Cease all collection activity until the debt is fully validated. 
Provide the legally required documentation, especially a copy of the signed Master Promissory Note. 
Remove any negative reporting related to this account from my credit report if the debt can not be validated. 
Ensure MOHELA complies with the FDCPA and Department of Education rules governing student loan collections. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Equipment was returned and should not be listed on my credit. I did not sign up for this equipment for services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
Subject : Formal Dispute of Unauthorized Hard Inquiries Request for Removal Dear Sir or Madam, I am formally disputing several unauthorized hard inquiries that have appeared on my credit reports with your bureaus. I, XXXX XXXX XXXX, did not authorize or initiate the inquiries listed below, all dated in 2024. These inquiries violate the Fair Credit Reporting Act ( FCRA ), which mandates that hard inquiries require express consent from the consumer. 
Under FCRA Section 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ], no one is permitted to access a consumer credit report without a permissible purpose. If no signed application or authorization exists, these inquiries are to be considered unauthorized and must be removed promptly. 
Inquiries to Be Removed TransUnion : Bank XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> Experian : XXXX XXXX XX/XX/year> Bank XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> Equifax : XXXX XXXX XXXXXX/XX/year> XXXX XXXXXX/XX/year> As required under FCRA Sections 604, 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), I request that you investigate and remove these inquiries unless the furnishers can provide documented proof that I gave written permission for each one. 
XXXX notify me in writing once your investigation is complete and these inquiries have been deleted.

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 2025-04-29 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: AR

Complaint narrative:
I am filing this complaint to formally dispute and request the blocking and permanent deletion of multiple fraudulent accounts and inquiries currently appearing on my credit report maintained by [ insert bureau name ]. My personal information was compromised during the 2017 Equifax Data Breach, which affected over XXXX XXXX Americans, including myself. As a result, fraudulent accounts were unlawfully opened using my identity. 

Pursuant to 15 U.S. Code 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right as a victim of identity theft to demand the removal of the following accounts, which I did not authorize or open : Fraudulent Accounts to be Deleted : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * * * * XXXX XXXX Account Number : XXXX * * * * I am submitting the following documentation in compliance with federal law : A valid government-issued ID A copy of my FTC Identity Theft Report A written statement affirming that these accounts were not authorized by me A list of fraudulent items to be blocked Legal Violations Involved : 15 U.S. Code 1681c-2 ( a ) Block fraudulent information upon identity theft report 15 U.S. Code 1681s-2 ( a ) ( 6 ) Duty to block identity theft-related data 15 U.S. Code 1681e ( b ) Duty to maintain maximum accuracy 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Obligation to perform a reasonable, manual investigation 15 U.S. Code 1681c ( a ) Prohibition on reporting obsolete information 15 U.S. Code 68016802 Protection and disclosure restrictions on nonpublic personal info 15 U.S. Code 1692 Prohibits unfair debt collection reporting My Requests : Immediately block and delete all fraudulent accounts and unauthorized hard inquiries Do not use automated dispute systems like e-OSCAR for reinvestigation Perform a manual investigation as required under FCRA 1681i ( a ) ( 1 ) ( A ) Provide written confirmation of deletions Send me an updated credit report showing the corrected information Affidavit of Truth ( Summary ) : I did not authorize or open the listed accounts These inquiries and accounts are not related to any transaction by me My personal information was exposed in the Equifax breach The continued reporting of these items is financially and reputationally damaging Notice of Intent : If [ Equifax / Experian / TransUnion ] fails to act in accordance with federal law , I will pursue further legal actions and report noncompliance to the CFPB, FTC, State Attorney General, and, if necessary , initiate civil proceedings under 15 U.S. Code 1681n and 1681o for willful and negligent noncompliance with the FCRA. 

This dispute is being submitted directly by me, not by a third-party credit repair agency. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: OH

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution 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 non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
XXXX is reporting public records from pacer in violation of FCRA and Metro2 standards. They are not a data furnisher authorized by the bankruptcy court and they refuse to delete the inaccurate information after I submitted a proper dispute. They continue to demand repeat disputes and stall corrections. This complaint seeks enforcement, deletion, and penalties for willful noncompliance. 
XXXX dispute - no response XXXX formal objection notice XXXX unable to process request notice XXXX required verification submitted XXXX unable to process request notice XXXX follow to above notice - request denied ; required to file another dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
Starting in XXXX  I was a victim of severe identity theft. My information was sold on the XXXX XXXX and my life became a living nightmare. The offenders opened tons of accounts in my names, destroyed my credit. Recently I have begun to put my life back together. Experian refuses to remove the fraudulent accounts and months and months of disputes. They have refused to remove the fraudulent addresses and names. Only if I ipgrade and pay is this an option. There are active police investigations into this case at a local and state level due to the extent of damage done to my life. Its so disturbing that Experian and others would allow a victim to be victimized again. I have had this same issue with XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  and XXXX mail. Its shameful this is the practice of business to report on credit reports the FALSE reports of identity theft victims.

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
Someone got a Credit card in my Name from XXXX XXXX XXXX and they made me have a Balance of {$2200.00} and i want to dispute it. Also they have and Address on the account thats not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: DC

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 2025-04-29 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 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 2025-04-29 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: TX

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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
There is an escrow balance of {$5100.00}. They claim to have sent a check, but we never got it. Now the loan is transferred to another company.

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 2025-04-29 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-29 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I deposited a check in a branch on XXXX  that evening i was locked out of my online bank had to wait till monday for the fraud department who when contacted to unlock my account told me they wont unlock it and i have to goto a branch. I'm not going to a branch there's none around me currently and I was just in one XXXX  i want my account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
I have been disputed this account for many Months now and I am again told the account is verified as accurate. 

In XX/XX/XXXX, I entered into a settlement agreement with the creditor, and since then, have been paying monthly on time through autopay without fail. However, my credit report continues to reflect multiple inaccurate late payments, including a recent 30-day late payment as of XX/XX/XXXX, while payments are being actively and automatically withdrawn by the creditor. 
THE BALANCE IS ALSO WRONG This reporting is inaccurate, misleading, and damaging, and Experian has failed to conduct a reasonable investigation or correct the reporting as required by law.

This behavior constitutes noncompliance with FCRA obligations under 15 U.S.C. 1681i ( failure to conduct a reasonable reinvestigation ) and 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ).

If Experian does not correct these inaccuracies immediately and remove the erroneous late payments from my credit report, I will be filing a Small Claims lawsuit for willful and/or negligent violation of my rights under the FCRA.

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 2025-04-29 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent, inaccurate, and false information consists of a Collection Account from XXXX XXXX XXXX on XX/XX/scrub> 2024 under the account number XXXX. & a Hard Inquiry from XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-29 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: TX

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting XXXX XXXX  XXXX with a balance of {$59000.00} should not be reporting please remove and delete from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting XXXX XXXX  XXXX with a balance of {$59000.00} should not be reporting please remove and delete from 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 non-monetary relief
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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