vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: VA

Complaint narrative:
Im writing to file a formal complaint regarding the mismanagement of my federal student loans, which were originally serviced by MOHELA and have since been transferredwithout my direct knowledge or consentto another servicer. 

I was enrolled in the XXXX ( Saving on a Valuable Education ) Plan, under which I was informed no additional interest would accrue beyond my scheduled payments. However, I recently discovered an increase of more than {$10000.00} added to my balance. This is an alarming change, especially considering Ive remained compliant under the XXXX plan terms. 

To make matters worse, upon reviewing my current loan profile, XXXX now seeing additional loans listed that I never took out. I have no record of applying for or accepting new loan amounts, yet they appear as active loans, and interest has seemingly been applied and tacked onto my balance as if they were legitimate disbursements. 

I am extremely concerned about how this could happenespecially as loans have been transferred between servicers without notice, and without providing me with an opportunity to review or dispute changes to my balance. This entire situation has created unnecessary financial stress and confusion, and it feels as though XXXX being held responsible for debt I never agreed to take on. 

I am urgently requesting the following : A review of the {$10000.00} increase and investigation into how it was applied An explanation for the appearance of additional loans under my profile Reinstatement of accurate balances based on my enrollment in the XXXX plan Immediate consideration for loan forgiveness or discharge, based on program eligibility and these clear servicing errors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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 2025-04-17 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: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I am disputing a debt that a debt collector is attempting to collect. On XX/XX/year> certified letter was delivered, I sent a debt validation letter via certified mail requesting verification of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

I included identifying information necessary to investigate the claim. However, the company has not provided any proof or method of verification that I owe the debt. They claim not to be able to locate the item despite sending documentation of the report my identification and request letter. They have continued collection attempts without satisfying the legal requirement to verify the debt. 

This is a violation of my consumer rights, and I am requesting that the CFPB intervene to ensure the company ceases collection efforts until proper validation is provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
I AM GOING THROUGH A LIFE CRISIS RIGHT NOW. THERE ARE FRAUDULENT INFORMATION REPORTING ON MY FILE DUE TO THE FACT THAT I AM A VICTIM OF IDENTITY FRAUD. PLEASE HELP ME REMOVE THE INFORMATION THAT I HAVE REPORTED TO YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
I AM GOING THROUGH A LIFE CRISIS RIGHT NOW. THERE ARE FRAUDULENT INFORMATION REPORTING ON MY FILE DUE TO THE FACT THAT I AM A VICTIM OF IDENTITY FRAUD. PLEASE HELP ME REMOVE THE INFORMATION THAT I HAVE REPORTED TO YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-17 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:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefeore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$12000.00}, XXXX XXXX {$4300.00}, XXXX XXXX Balance {$3800.00}, XXXX XXXX Balance {$2800.00}, XXXX XXXX Balance {$3500.00}, XXXX XXXX Balance {$6300.00}, XXXX XXXX XXXXXXXX Balance {$300.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefeore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$12000.00}, XXXX XXXX {$4300.00}, XXXX XXXX Balance {$3800.00}, XXXX XXXX Balance {$2800.00}, XXXX XXXX Balance {$3500.00}, XXXX XXXX Balance {$6300.00}, XXXX XXXX XXXXXXXX Balance {$300.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-17 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-17 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion LLC XXXX. XXXX XXXX XXXXXXXX XXXX  Subject : Dispute of Inaccurate information on Credit Report Dear, Transunion XXXX XXXX. 

I am writing here to formally dispute certain information in my credit profile issued b your agency. I recently got a copy of my credit report and noticed inaccurate, incomplete information that I request to be investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ) The items I am disputing are as followed. XXXX XXXX XXXX  XXXX XXXX XXXX 

Reason for XXXX XXXX XXXX has been researched as a fraudulent account. 
XXXX XXXX inquiry has been researched as a fraudulent account and removed. 

I am requesting that this item be investigated and either corrected or removed from my credit report. I have attached copies of supporting documentation to assist with the investigation. 

These documents include a researched investigation by other bureaus. 

Please complete the investigation of this matter and provide written confirmation of the outcome. If changes are made, please semd me an updated copy of my credit report, Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I am unable to add my income information to my Experian Credit profile for over 90 days. I have brought this to Experian 's attention and it was assigned to Experian 's engineers and product team, according to Experian. They have no timeline of when this will be resolved nor an explanation of why it is occurring. In my opinion there is a promotional block on my credit profile internally, that they do not know how to remove. Without being able to add my income information, it prevents me from being able to access and interpret all of the features of my credit file that resides with Experian. It also is blocking other companies from being able to view my credit file and determine eligibility for credit products. This is discrimination. XXXX other members of my very own household have absolutely XXXX problem adding their income information to their credit profiles and as a result, they are not blocked from potential creditors checking their reports for eligibility of certain credit products. I have inquired repeatedly for several months about the resolution of this and they continue to acknowledge it exists but will not resolve it or provide a timeline of when it will be resolved. Additionally I received a postcard from Experian on XX/XX/year> telling me that Experian has removed my name from the preapproved credit offer mailing list for 5 years. I never requested this. I also am including a front and back copy of the postcard received.

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 2025-04-17 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted 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 2025-04-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
I am writing to formally dispute the student loan account reported under Missouri XXXX XXXX XXXX ( Account Number : XXXX ) with a listed balance of {$63000.00}. 

This account is being disputed because the Department of Government Efficiency violated my rights under the Family Educational Rights and Privacy Act ( XXXX ) by mishandling and improperly exposing my sensitive personal and financial information. This breach directly compromises the legitimacy and integrity of this loan account, and as such, I request that it be thoroughly investigated and removed from my credit report until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My Experian account was hacked a few months ago I placed multiple fraud alerts on there they changed a-lot of my personal information and I had a really hard time accessing the account again through Experian, they applied and inquired for credit cards, I called experian and had all information changed back to correct and informed them 2 credit cards that were on file that I had no knowledge of they removed one of the fraudulent cards and inquiries with the help of XXXX XXXX and experian but they did not remove the other card I have called the number for the company that is saying the account is mine and they have send me a letter in the mail confirming that it is not mine and they even stated on the phone that the card was sent to XXXX XXXX XXXXXXXX XXXX XXXX  an address which I never lived an address which also is linked to a person with a similar name as me I wish to dispute anything on my account or credit file from XXXX till now and I would like to get the credit card that says I owe over XXXX  off my account and I would like to get all late and derogatory marks for this off my account my credit was good last XXXX from all this is has been poor ever since due to late payments and non payments as well as collections Ive attached pictures of the screenshots that I have of incorrect information from experian that someone changed that shows incorrect phone number and address. These pictures also show phone number that Ive never had my number has always been XXXX and I have always lived at XXXX XXXX XXXX XXXX pa 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 2025-04-17 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: OH

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
Consumer complaint received 2025-04-17 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NV

Complaint narrative:
Payment information is incorrect. My XXXX XXXX XXXX  account is inaccurate. It is missing payment information. My credit report shows late 180 days late payment in XX/XX/XXXX, however there are no late payments prior to that. its not possible to be late 180 days in XX/XX/XXXX, when I was on time in XX/XX/XXXX. There is also inaccurate reporting in XX/XX/XXXX. Equifax is reporting a 60 day late, while Experian and Trans Union are reporting a 30 day late. There are also lots of payment history missing. The FCRA states that all credit reporting must be complete and accurate. This late reporting and incomplete payment history are both violations of my rights under the FCRA. Please remove the late payment in XX/XX/XXXX and also XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief