vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: TN

Complaint narrative:
After viewing my credit report I noticed there are inaccurate information being reported to each credit bureau. This inaccurate information is hurting my ability to obtain credit. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This account has violated my rights. I have no knowledge, contract, or agreement with this company. I am not liable for this debt. 
This account is also listed twice on my report. This is unlawful and both XXXXXXXX XXXX accounts should be removed. 

XXXX XXXX XXXX XXXX After viewing my credit report I noticed there are inaccurate information being reported to each credit bureau XXXX This inaccurate information is hurting my ability to obtain credit. The payment status, opening date, last payment dates, past due balance, and last active date are all inaccurate. This account should be removed immediately. 
. 
XXXX XXXXXXXX : XXXX This account is being wrongfully listed as charge off. This account has been paid off and should not be listed as a charge off. This is hurting my ability to obtain credit and should be removed immediately. 

XXXX XXXX XXXX : XXXX I have no knowledge, contract, or agreement with this company. Therefore, I am not liable for the debt balance of {$1500.00} This account extremely limits my ability to obtain credit. Please delete. 

XXXX XXXX : XXXX I have no knowledge, contract, or agreement with this company. Therefore, I am not liable for this debt.This account extremely limits my ability to obtain credit. Please delete XXXX XXXX : XXXX This account is reporting misinformation. The open date is incorrect. The credit limit is not accurate across the reporting agencies. 
The last payment dates are completely inaccurate. Please remove from my credit report immediately. 


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 non-monetary relief
Consumer complaint received 2025-03-21 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: TN

Complaint narrative:
After viewing my credit report I noticed there are inaccurate information being reported to each credit bureau. This inaccurate information is hurting my ability to obtain credit. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This account has violated my rights. I have no knowledge, contract, or agreement with this company. I am not liable for this debt. 
This account is also listed twice on my report. This is unlawful and both XXXXXXXX XXXX accounts should be removed. 

XXXX XXXX XXXX XXXX After viewing my credit report I noticed there are inaccurate information being reported to each credit bureau XXXX This inaccurate information is hurting my ability to obtain credit. The payment status, opening date, last payment dates, past due balance, and last active date are all inaccurate. This account should be removed immediately. 
. 
XXXX XXXXXXXX : XXXX This account is being wrongfully listed as charge off. This account has been paid off and should not be listed as a charge off. This is hurting my ability to obtain credit and should be removed immediately. 

XXXX XXXX XXXX : XXXX I have no knowledge, contract, or agreement with this company. Therefore, I am not liable for the debt balance of {$1500.00} This account extremely limits my ability to obtain credit. Please delete. 

XXXX XXXX : XXXX I have no knowledge, contract, or agreement with this company. Therefore, I am not liable for this debt.This account extremely limits my ability to obtain credit. Please delete XXXX XXXX : XXXX This account is reporting misinformation. The open date is incorrect. The credit limit is not accurate across the reporting agencies. 
The last payment dates are completely inaccurate. Please remove from my credit report immediately. 


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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
BASICS : Was expecting interest rate/charges to go up after 9-month intro rate, BUT BY MY BALANCE OF XXXX -- NOT what Ally charged, over {$1000.00} more -- {$5400.00}. WHERE DID THIS EXTRA {$1000.00} come from??? Over a month and they supply no answer -- just I AM STILL expected to pay, as attached computer-generated generic response letter states ; says I don't have to pay 'disputed amount ' BUT WHAT IS DISPUTED AMOUNT?? EXCEPT THE XXXX XXXX, where it came from, but how is it derived, etc .... I have three of those generic letters, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. SAME THING, as I keep sending same docs ASKING FOR ANSWER and adjustment/compensation to my account so I can be done with them, pay them off totally, because as I see it, they are actually stealing monies, in the form of interest/revenue derived FROM OVERCHARGED/INFLATED BALANCES ON ACCOUNT HOLDERS, AND, of course, not letting their account holders know UNLESS caught, as I have done here, I believe.

Attached phone record shows I called four times that night, spending a total of almost 3/4 hour talking, explaining, being put on hold -- actual explanation letter also attached I SENT TO ALLY WITH NO RESPONSE with Rep 's names -- THEY UNDERSTOOD and AGREED, but couldn't offer explanation so both reps set up, supposed, QUICK response, case #, etc., etc. NOTHING. BUT SUMMARILY EXPLAINED ....

As I said in letter to ALLY, they can be making thousands of dollars off interest from overcharging interest to their CC holders -- EVEN if they have to pay it back, but interim they're receiving moneys ILLEGALLY charged to those that don't check their balances, interest charges, etc. AS I DID, and they'll keep it...

Attached, below, are statement what SHOULD BE ; statement showing charges BASED ON EXTRA {$1000.00} ; phone record ; letter sent to their website two ( 2 ) times ; another FULL statement EASILY showing the {$130.00} INTEREST -- WHICH ARE BASED FROM THE XXXX BALANCE ... NOT what is actually listed -- XXXX... 

On reviewing these few documents, you'll see exactly what I'm referring to.

I thank you, in advance, for following through and letting others know what Ally has done to me, and I have no doubt, others, and will continue to do until checked into. I look forward to an official response on where this extra {$1000.00} came from that they're charging me interest for, and adjustments on my account.

Thank 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 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I am 20 years after an education experience expecting a refund no one has time for the games. I wasn't even ever in Default I have my credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-21 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: ID

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 explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
I have Mohela and used them for the PSLF ( public service loan forgiveness ) program. I was told I have completed the program and my loans are forgiven. I was told I overpayed and am owed a refund. I havent recieved further information on my refund.

I call every month ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, etc ) and wait to talk to someone. I either get a hold time of over 5 hours and never get anyone, or I call and speak to someone but they need to transfer me, and the call disconnects. I requested online a refund for overpayment through their website on XX/XX/year>. I don't know the amount but I have reason to believe its XXXX XXXX dollars due to the delay of processing my public service hours. I haven't connected to a customer service representative that has helped me or provided me any information since XXXX. Most of the time if I do get through to someone they " transfer me to a senior loan specialist '' and the call disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I think the trigger is that I made several withdrawals from my XXXX trading account into my Citibank checking account. Then the bank terminated the relationship. I cant emphasize enough that the money is from my Long term investments in XXXX and XXXX, which I have been holding since 2021. I liquidated all my positions and cashed 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 2025-03-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX These accounts have violated my rights.

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, as required by 15 U.S.C. 1681e ( b ).

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), regarding the treatment of inaccurate or unverifiable information : ( a ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of the information is found to be inaccurate, 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.

Furthermore, according to 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
XX/XX/year> a person posing as a property manager requested payment of security deposit for a rental via Zelle. The person confirmed receipt of the money {$900.00} and then disappeared. Zelle refuses to refund {$900.00}. My financial institution XXXX XXXX XXXX filed a claim for return of funds which was denied. A Zelle customer service agent assured me that sending the funds was fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**.

According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education** . Recent federal action under the Executive Order, Improving Education Outcomes by Empowering Parents, States, and Communities has called to eliminate the department. Other recent federal action has stated that all student loan responsibilities are to transfer to the **Small Business Administration ( SBA ) **. 

This constitutes a **substantial and unilateral alteration of the agreed-upon terms**, materially changing the administrative authority and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
The original creditor is XXXXXXXX XXXX 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investig

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Immediate Removal of Unverified Charge-Offs from My Credit Report Dear CFPB, I am disputing the charge-offs appearing on my credit reports that are unverified and inaccurately reported. These accounts are negatively affecting my credit standing, and the furnishers have failed to provide proper verification of the debt, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

Disputed Charge-Off Accounts : Creditor Name Account Number ( Last 4 Digits ) Charge-Off Amount Credit Bureau Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Experian, Equifax, TransUnion ] XXXX XXXX XXXX XXXX XXXX XXXX [ Experian, Equifax, TransUnion ] XXXX XXXX XXXX XXXX XXXX XXXX [ Experian, Equifax, TransUnion ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, Equifax, TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Experian, Equifax, TransUnion ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Experian, Equifax, TransUnion ] XXXX XXXX XXXX XXXX XXXX XXXX [ E
xperian, Equifax, TransUnion ] Legal Violations and Basis for Dispute : FCRA 15 U.S.C. 1681e ( b ) - Duty to Maintain Accuracy : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. These charge-offs have errors and must be verified or deleted.

FCRA 15 U.S.C. 1681s-2 ( a ) - Responsibilities of Furnishers : Furnishers must not provide inaccurate or outdated information. Since these charge-offs contain errors and unverifiable information, they must be deleted if they can not be proven 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