vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: NJ

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS 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 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 2025-06-20 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: Experian Information Solutions Inc.
State: FL

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 2025-06-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: MO

Complaint narrative:
I am the co-signer, not the borrower, on a private student loan originally serviced by XXXX, now reportedly managed or serviced by MOHELA. Recently, I received a letter from MOHELA threatening to refer the account to litigation unless I respond by XX/XX/XXXX. However, prior to this notice, I received a Form 1099-B from XXXX after reporting the issue to the IRS suggesting the loan was sold, assigned, or discharged. 


No securities transaction ever took place that would justify a 1099-B. I believe this form was improperly issued in place of a 1099-C, in violation of : 26 U.S.C. 6050P, 6721, and 6722 ( improper or misleading IRS filing ) And possibly done to conceal a debt cancellation or sale If the loan was securitized, sold, or charged off, then XXXX and/or MOHELA no longer have standing to collect, and may be : Violating 15 U.S.C. 1692e and 1692f of the FDCPA by misrepresenting the status or ownership of the debt Violating 15 U.S.C. 1641 ( g ) by failing to notify me as a co-signer of any transfer or assignment ( as required under TILA ) Violating Federal Rule of Civil Procedure 17 ( a ) by threatening suit without being the real party in interest Violating Missouri Revised Statutes 407.020, 408.092, and 408.100 regarding deceptive and unfair debt collection practices I have not received validation of the debt despite my co-signer status, and I dispute both the balance and MOHELA/XXXX  authority to collect. 


I reserve all rights to pursue equitable relief in court, including a demand for full debt validation, full accounting, and a halt to any legal proceedings until these violations are resolved. 


I am requesting that CFPB investigate this matter, direct XXXX/MOHELA to provide proper documentation, and correct or withdraw the improper 1099-B filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, I received a legal letter from XXXX XXXX regarding a debt from XXXX XXXX in the amount of {$13000.00}. On XX/XX/XXXX, I sent a written request for debt validation, as I disputed ownership of the alleged debt and believed it was not mine. 

On XX/XX/XXXX, after contacting XXXX XXXX by phone, I was informed that the file had been returned to their client and that they would not be pursuing collection efforts against me. I assumed the matter had been resolved and moved on with my life. 

However, in XX/XX/XXXX, I received a new collection notice dated XX/XX/XXXX, from XXXX XXXX known as Launch Servicingregarding the same debt. I sent them a validation request similar to the one I had previously sent to XXXX XXXX, dated XX/XX/XXXX. 

When I followed up by phone on XX/XX/XXXX, I was told by a representative named XXXX that they had no record of my request, and a new ticket ( # XXXX ) was opened for investigation. The issue continued unresolved, prompting additional calls and tickets : XX/XX/XXXX Ticket # XXXX ( XXXX ) XX/XX/XXXX Ticket # XXXX XX/XX/XXXX Ticket # XXXX I followed up on each of these tickets, but received no resolution. I also mailed several letters to Launch Servicing at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SD XXXX, Attention : Legal Department, but received no response. 

For context, I purchased a home with existing solar panels and closed escrow with the seller, XXXX XXXX, who has since passed away. It appears that after his death, XXXXLaunch Servicing used public property records to identify me as the new owner and incorrectly assigned his past-due solar account to me. Despite my repeated efforts and clear evidence that the debt belonged to the prior owner, Launch Servicing continued to email me his billing statements and refused to remove the fraudulent account. 

Furthermore, despite filing disputes with the credit bureaus, the account remains on my credit report. The credit bureaus have failed to properly validate the debt or remove it, despite my providing evidence that the debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: OH

Complaint narrative:
XXXX has listed my car as charged off for roughly {$16000.00}. Meaning they wrote it off as a loss and got their tax break. However, I was never given a 1099C form they are legally required to give me so now this will look like income for me on my taxes.

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 2025-06-20 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and addr
ess listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} INQUIRIES : XXXX 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 2025-06-20 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I have disputed these items with the creditor and credit reporting agencies multiple times. 15 USC 1681s-2 and Metro 2 , in regards me the right to dispute inaccurate and unverifiable information that is on my credit report. These accounts are being reported verified and as a profit loss, these inaccuracies violate IRS reporting as well as FCRA laws. These accounts are causing harm to my personal and career 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 non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I have disputed these items with the creditor and credit reporting agencies multiple times. 15 USC 1681s-2 and Metro 2 , in regards me the right to dispute inaccurate and unverifiable information that is on my credit report. These accounts are being reported verified and as a profit loss, these inaccuracies violate IRS reporting as well as FCRA laws. These accounts are causing harm to my personal and career health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2025-06-20 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX has listed my car as charged off for roughly {$16000.00}. Meaning they wrote it off as a loss and got their tax break. However, I was never given a 1099C form they are legally required to give me so now this will look like income for me on my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX has listed my car as charged off for roughly {$16000.00}. Meaning they wrote it off as a loss and got their tax break. However, I was never given a 1099C form they are legally required to give me so now this will look like income for me on my taxes.

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 2025-06-20 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: OH

Complaint narrative:
XXXX has listed my car as charged off for roughly {$16000.00}. Meaning they wrote it off as a loss and got their tax break. However, I was never given a 1099C form they are legally required to give me so now this will look like income for me on my taxes.

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
CBNA is reporting a late on XX/XX/year> when that never happened. I have tried to fix this but they are doing nothing to help. This late needs to be removed.

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 2025-06-20 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: MI

Complaint narrative:
Under FCRA 1681s-2 ( b ), data furnishers are legally required to conduct a reasonable investigation upon notice of a dispute. The information they have furnished is inaccurate and unverifiable, yet they have continued to report it without correction.

I have sent multiple letters this past 3 months. the reporting of my bankruptcy which is court order, The courts do not furnish rulings, I have asked for proof of where the bureaus are getting this information and they never send me anything. I barely get letters from them in the mail especially Experian. They aren't being compliant and they are not investigating anything on my credit profile. This is hurting me, I am trying to start a business to better myself and family but this is hindering my right now.

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 2025-06-20 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: MI

Complaint narrative:
Under FCRA 1681s-2 ( b ), data furnishers are legally required to conduct a reasonable investigation upon notice of a dispute. The information they have furnished is inaccurate and unverifiable, yet they have continued to report it without correction.

I have sent multiple letters this past 3 months. the reporting of my bankruptcy which is court order, The courts do not furnish rulings, I have asked for proof of where the bureaus are getting this information and they never send me anything. I barely get letters from them in the mail especially Experian. They aren't being compliant and they are not investigating anything on my credit profile. This is hurting me, I am trying to start a business to better myself and family but this is hindering my right now.

Company response to consumer: Closed with non-monetary relief