vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Collection Account Dear TransUnion Dispute Department , I am writing to formally dispute an inaccurate collection account appearing on my credit report. The account in question is which is being reported by XXXX XXXX XXXX XXXX. 

This account is invalid and should not be reported for the following reasons : 1. The original creditor has filed for bankruptcy Since the original creditor is no longer legally able to collect on the debt due to bankruptcy proceedings, the collection agency has no legal right to pursue or report this debt.

2. The collection agency has not provided verification Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to investigate and verify the accuracy of all reported information. If the collection agency can not provide verifiable proof that they have legal authority over the debt, this entry must be removed immediately.

3. Possible violation of bankruptcy discharge protections If this debt was discharged in bankruptcy, continued reporting or collection efforts may violate federal bankruptcy laws, including 11 U.S.C. 524, which prohibits attempts to collect on discharged debts. 

I request that TransUnion conduct an immediate investigation into this matter. If the collection agency can not prove its legal authority to report this debt, I demand that it be removed from my credit report under FCRA guidelines. Please provide me with a written response detailing your findings and any actions taken as a result of this dispute. 

I have attached copies of relevant documents, including my credit report with the disputed account highlighted, and any supporting evidence regarding the original creditors bankruptcy status.

Thank you for your prompt attention to this matter. I look forward to your response within the legally required 30-day investigation period.

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 2025-03-16 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 am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Incorrect Address : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Charge Off XXXX XXXX {$900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$280.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX {$600.00} XXXX Opened : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX {$1200.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX TXXXX XXXX XXXX XXXX ) XXXX {$770.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$1100.00} Date Opened : XX/XX/XXXX Repossession XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX HI 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Incorrect Address : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Charge Off XXXX XXXX {$900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$280.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX {$600.00} XXXX Opened : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX {$1200.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX TXXXX XXXX XXXX XXXX ) XXXX {$770.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$1100.00} Date Opened : XX/XX/XXXX Repossession XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX HI 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 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

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 2025-03-16 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: NEW YORK COMMUNITY BANCORP INC
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

1x

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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
On XXXX, DOGE was given access to my federal loan information by MOHELA and the department of education without my knowledge or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-03-16 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:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2025-03-16 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: GA

Complaint narrative:
Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies 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 explanation
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding innacuracies in my credit. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violated the Fair credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12. U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administration proceeding ( File No. 2025 - CFPB - 0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumer with the necessary proof of investigation. 
These are the account I have marked as inacurate XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF ED XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX  ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDUCATIONXXXXXXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date 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
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information and expect a prompt and reasonable investigation into my claim. The following item ( s ) on my report contain errors :
Equifax, Experion, TransUnion, XXXX XXXX The ingestion did not fix the errs of Data Breach of my personal information XX/XX/year>. 

Enclosed are copies of relevant documents supporting my dispute, including my driver license, social security card and utility bill. 

Under 15 U.S.C. 1681o, failure to comply with the FCRA due to negligence makes the responsible party liable for actual damages, costs, and attorneys fees. If this matter is not resolved appropriately, I will pursue further action to enforce my rights. 
Under 20 U.S.C 1232G ; 34CFR Part 99, which grants me the right to control access to my educational records, as well as Title IV of Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

I request that you correct or remove the disputed item ( XXXX ) within 30 days and provide written confirmation of the changes. Please also send me an updated copy of my credit report reflecting these corrections.

If you require additional information, you may contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and expect a timely resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: VA

Complaint narrative:
several account were sold to collection agencies with out my consent I do not owe these agencies based on original contract. Due to data breach of credit reporting agencies my person data was breached affecting my credit report. Many of my personal informations are incorrect on my person credit reports.

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 2025-03-16 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: VA

Complaint narrative:
several account were sold to collection agencies with out my consent I do not owe these agencies based on original contract. Due to data breach of credit reporting agencies my person data was breached affecting my credit report. Many of my personal informations are incorrect on my person credit reports.

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 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an issue I've encountered with TransUnion 's online services. Despite repeated attempts, I have been unable to access my credit report online through TransUnion. Each attempt results in a notification stating they are unable to complete my request online and advises me to use phone or mail options instead. 

This persistent issue significantly interferes with my rights under the Fair Credit Reporting Act ( FCRA ), specifically my entitlement to freely access and monitor my credit report. Without timely online access, my capacity to promptly review and dispute inaccuracies, monitor for fraudulent activity, and manage my financial health effectively is compromised. 

I kindly request that you investigate this matter and assist in ensuring that TransUnion resolves this issue promptly, granting me full online access to my credit information as required by law. 

Thank you very much for your prompt attention to this matter. I look forward to your assistance and to a swift resolution.

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 2025-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a form 1099-C from Citibank , N.A . Saying they cancelled a {$5000.00} overdraw on my account. There never was an overdraw on the account. It took me months in XXXX  to get this issue resolved. Then all of a sudden I get this 1099-C. What happened is in the end of XX/XX/year> and beginning of XX/XX/year> I opened a high yield account with them. I had my credit union send them an XXXX deposit of {$5000.00}. The money never showed in my account. This was during COVID and communication were horrible. I got nowhere with them they claimed they didnt have the money. I enlisted the help of my credit union to deal with them. They cancelled the transaction so Citi no longer received the funds. I never withdrew money. Instead the original deposit was revoked. They couldnt seem to get there records straight. This was five years ago and I didnt keep any of my records or correspondence as it seemed to be handled. In the last 5 years I have not heard from them and now they are claiming this. I know dealing with them will be a waste of time and need help. I need this form to the IRS revoked.

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 2025-03-16 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-16 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-03-16 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: MOHELA
State: GA

Complaint narrative:
The Dept of Government Efficiency has breached personal and private student loan information, including Social Security numbers, account numbers, and financial details from the Dept of Education 's National Student Loan Database System and the Common Origination and Disbursement System. This is a violation of my right to privacy under FERPA, and the Privacy Act of 1974.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
I am a victim of identity theft, which has resulted in multiple fraudulent accounts and inquiries appearing on my credit report. These include 21 unauthorized U.S. Department of Education accounts, two auto loans fraudulently opened with XXXX and XXXX XXXX XXXX, and 40 hard inquiries that I did not authorize. Additionally, unemployment benefits were wrongfully filed in my name without my knowledge or consent.

These fraudulent activities have severely impacted my credit and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these unauthorized accounts, inquiries, and any related fraudulent information 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 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XXXX has arbitrarily and erroneously frozen my account. I have had no returned payments and was not notified when the account was frozen. I have reached out to their customer service through chat, email, and over the phone multiple times. I haven't received any follow up or resolution. I can not send or receive money, close the account, or make any changes while it is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$210000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief