vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IN

Complaint narrative:
Mohela is charging me interest on my loans that are through Save Plan with 0 % intererest and that has dropped my credit score by XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$7500.00} - Account # : XXXX XXXX XXXX  - Balance : {$4200.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-04-18 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: NC

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 2025-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
I am filing this complaint against LoanDepot.com, LLC ( " LoanDepot '' ) due to ongoing issues with inaccurate credit reporting and potential violations of the CARES Act provisions, which are harming my creditworthiness and violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
On XX/XX/XXXX, I mailed a dispute letter to LoanDepot regarding an account that is reporting negatively on my credit report. This account is inaccurately reporting late payments, which is causing significant harm to my credit score and overall creditworthiness.

Despite my efforts to dispute this information, the account continues to be reported with late payments, and I have not received confirmation that LoanDepot is conducting a thorough investigation as required under the FCRA ( 15 U.S.C. 1681s-2 ).

The late payments reported on this account may have occurred during the COVID-19 pandemic, a period covered by the CARES Act. Under the CARES Act, lenders are required to report accounts as current if consumers have sought and received payment accommodations due to pandemic-related hardships ( CFPB Guidance, XXXX ). If any late payments were reported during this period, they should not appear on my credit report, as I may have been eligible for such accommodations.

LoanDepot has not provided evidence that they complied with CARES Act provisions by ensuring accurate reporting of my account status during the pandemic.

Impact on Consumer Rights : The continued inaccurate reporting is preventing me from securing favorable credit terms, potentially affecting my ability to obtain loans, housing, or employment. This violates my rights under the FCRA, which mandates that furnishers like LoanDepot investigate disputes and correct inaccurate information promptly ( 15 U.S.C. 1681s-2 ( b ) ).

I am filing this complaint concurrently with my dispute letter to ensure that LoanDepot handles my dispute properly and in compliance with federal law. I am concerned that without CFPB intervention, LoanDepot may fail to conduct a reasonable investigation or correct the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX * * * * Balance Owed : {$260.00} XXXXXXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1400.00} XXXX XXXX * Balance Owed : {$8900.00} XXXX XXXX XXXX  * * * * * * * * * * Balance Owed : {$1100.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$450.00} 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 XXXXXXXX * Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$1400.00} 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 2025-04-19 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX * * * * Balance Owed : {$260.00} XXXXXXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1400.00} XXXX XXXX * Balance Owed : {$8900.00} XXXX XXXX XXXX  * * * * * * * * * * Balance Owed : {$1100.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$450.00} 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 XXXXXXXX * Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$1400.00} 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 non-monetary relief
Consumer complaint received 2025-04-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-19 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: AR

Complaint narrative:
On XX/XX/year> as well as XXXX ( Experian & Transunion ) I sent out disputed letters to all 3 major credit agencies ( Experian, Equifax, and Transunion ) to delete inaccurate information reporting on my credit report. The CRAs continues to use stall tactics and continues to keep verify my inaccurate information on my credit report as accurate. The inaccurate information is harming my financial well being. I am aware of my rights under the FCRA and that is why I requested a thorough investigation into the inaccuracies ( on my credit report ) as required by Federal Law. 
Recently the CFPB filed a lawsuit against Experian for failure to properly investigate consumer disputes citing Sham Investigations and other unlawful practices. These practices by the CFPB include : ( 1 ) Conducting inadequate investigations that fail to address consumer disputes properly.

( 2 ) Reinserting previously disputed and inaccurate information without explanation.

( 3 ) Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protection and perpetuate the indecision of inaccurate information on credit report. I am concerned that my dispute maybe mishandled in a similar manner. 
Please review the inaccurate information being reported. 
( XXXX XXXX XXXX XXXX # XXXX ; ( XXXX ) XXXX  # XXXX ; ( XXXX ) XXXX  # XXXX ; ( XXXX ) XXXX XXXX  # XXXX ; ( XXXX XXXX XXXX XXXX XXXX # XXXX. 
Under the Fair Credit Reporting Act : ( 1 ) Conduct a proper investigation into my disputes.

( 2 ) inform consumer of results of investigation.

( 3 ) Provide consumer with documentation that CRA relies on if the disputed information is verified as accurate.

( 4 ) Insure that inaccurate and unverifiable information is corrected or removed from consumer credit report promptly.

( 5 ) If the investigation concludes that the information can not be verified or remains inaccurate, consumer can request the immediate removal or correction of this information from a consumer credit report. 
I requested written confirmation of the actions the CREDIT REPORTING AGENCIES take to respond to the dispute. These practices CRAS failed so I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you I look forward to CFPB response within the mandated time of 15 days.

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 2025-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I submitted disputes for 4 amounts including 2 for the amount of {$170.00} on XXXX XXXX and {$180.00} on XXXX XXXX. XXXX for items that the merchant cancelled on their end but mistakenly marked as picked up. The merchant acknowledged this and agreed to credit me back on XXXX XXXX. XXXX for XXXX and XXXX on XXXX XXXX, XXXX. I sent the emails from the merchant to their XXXX. I received no response back since then or update. They cancelled the disputes on their end over a month ago and resolved in the merchant 's favor despite having a citibank protection policy that was there since I signed on with them years ago. I did not authorize for the merchant to keep my money for merchandise I never received. I shudder to think what would happen if I had lost my card and it was freely spent at merchants. Citibank would surely not be on the side of their customer and would side with the other party. After being a long time customer of theirs I no longer feel safe having Citibank as one of my main credit cards. I just want these disputes resolved before making any further decisions of my Citibank account.

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 monetary relief
Consumer complaint received 2025-04-19 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: HI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 non-monetary relief