vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 



# # # Incorrect Personal Information : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me. 

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.

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 2025-03-02 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-02 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: FL

Complaint narrative:
XXXX XXXX agreement was to delete the information I wrote Equifax and showed my evidence and they still didn't do a proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
Dear Student AID/FSA, I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy.

Under the following legal protections, my information should have been safeguarded : Family Educational Right and Privacy FERPA ) : Ensure the confidentiality of the student record and prohibit the unauthorized disclosure of personal information.

Higher Education Act ( HEA ) Establishes the responsibility of educational institutions and loans servicers to protect student data.

Privacy Act of 1974 : Prohibits the unauthorized sharing of personal informa

tion held by federal agencies. Breach of Contract : The unauthorized sharing of student loan borrowers personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 
Given the severity of this data breach and failure to uphold federal protection, I formally requested the immediate discharge and cancellation of my student loan debt in full. Complete removal of all advantage related entries from all three of my credit reports. 
I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-02 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: CT

Complaint narrative:
The attached XXXX XXXX account appears on my credit profile but I do not have any account with them under this account number and when requested investigation from the credit bureaus they could not validate the account but it still remains on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: CT

Complaint narrative:
The attached XXXX XXXX account appears on my credit profile but I do not have any account with them under this account number and when requested investigation from the credit bureaus they could not validate the account but it still remains on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-02 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days.

7. Incorrect Billing - Creditor Name : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Requested Action : Update account status to " paid on time. '' # # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me.

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.

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 2025-03-02 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days.

7. Incorrect Billing - Creditor Name : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Requested Action : Update account status to " paid on time. '' # # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me.

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
It was a data breach from XXXXXXXX XXXX 15usc 1681, they sent me a letter this year XXXX letting me know my information was exposed. So I would like to address any delinquent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Mortgage Carrier : Mr. Cooper Loan NumberXXXX Issue : This complaint is borne from a mortgage transfer between the failing XXXX XXXX to Mr. Cooper. 
XXXX 's payment of {$430000.00} was paid to XXXX XXXX XX/XX/XXXX and XXXX. Two bank accounts were utilized from the onset of the mortgage repayment. Both Bank Accounts, " XXXX and XXXXXXXX XXXX XXXX XXXXXXXX, '' completed the debited amounts to XXXXXXXX XXXX 
-Alleged transfer of loan from XXXX to Mr. Cooper was scheduled on XX/XX/XXXX, individual access to Mr. Cooper site scheduled for XX/XX/XXXX ( 2025 ). 
-Mr. Cooper shows XXXX payment outstanding, and the site shows late fee/penalties accumulating. 
-Several chats and actual discussions with a " live '' Customer Service Rep ( weeks ago ). Stating XXXX payment to XXXX was sent to principal, and XXXX payment is still outstanding. I also sent them copies of the bank transaction showing transferred monies to XXXX. 
-I explained this is unauthorized and fraudulent, and it amounts to a misapplied {$4300.00} that is showing a default and accumulation of late fees. The destination of the money was never authorized to go to the principal and potentially create a deficit in my payment agreement, accumulation of fees, or my credit compromised. 
-I have now paid XXXX 's payment in full on XX/XX/XXXX, and Mr. Cooper shows I still owe {$4300.00} for XX/XX/year> ( due XX/XX/year> ). 
- I want this corrected asap. I want the potential interest Mr. Cooper accumulated by using/holding my money that was misapplied due to their incompetence or deliberate fraud, I want the loan amount corrected and my loan brought to current status in good standing. Further, should not have to file a complaint ( which is what their moronic representatives told me to do ), nor have to correct my account solely based on their incompetence and deliberate unauthorized eventual fraud to my credit report. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which I recently reviewed. The account in question has incorrectly reported one late payment, despite the fact that I made the payment on time. As per the Fair Credit Reporting Act, all information provided to credit reporting agencies must be accurate and complete. 

The account in question is listed as having late payments on XX/XX/year> However, I have clear records of timely payments for these months and can confirm that no payments were late. 

I kindly request that you thoroughly investigate this matter and provide verifiable proof, including any supporting records, showing that I made late payments during the specified periods. If this information can not be substantiated with appropriate documentation, I demand that my account be updated to reflect that the payments were made on time, and the late payment entries be removed from my credit report immediately.

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 2025-03-02 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: Amsher Collection Services, Inc.
State: WI

Complaint narrative:
There saying I have a open account for a collection agency that I have no knowledge of the company is called Amshercolle collection services I did not give any permission for any company to sell my information the amount they are saying I owe is XXXX that I have no knowledge of I do not owe this I did not open this account or whatever it may be XX/XX/year> is the date they say account was open

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
To Whom It May Concern, Account Name : [ XXXX ] Account Number : XXXX Date : [ XX/XX/2025 ] I am writing to formally dispute the reporting of the above collection account as an " open account '' on my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all credit reporting is accurate and in compliance with the law. This collection account being reported as " open '' is not in compliance with FCRA guidelines and is an inaccurate entry. 
Under the FCRA, I request that this collection account be removed immediately from my credit report, as it does not meet the requirements of an " open '' account under the legal definition. 
In support of my request, I refer to the following sections of the FCRA : 1. Section 605 ( a ) - Time Period for Reporting of Negative InformationThis section outlines the time limits for reporting negative information on a credit report. A collection account that is inaccurately reported as " open '' may violate the time-frame restrictions and should be removed if it exceeds the time limits for reporting. 
2. Section 609 - Right to Consumer ReportThis section gives me the right to request and receive a copy of my credit report upon the deletion of the inaccurate information. Once the collection account has been properly removed, I request that a revised copy of my credit report be sent to me for verification.

3. Section 611 - Procedure in Case of Disputed InformationUnder this section, I have the right to dispute any inaccuracies in my credit report. Once I dispute an item, the credit reporting agency must investigate the accuracy of the entry. If the collection account is determined to be inaccurate, it must be removed. 
I expect this issue to be resolved promptly, in accordance with the FCRA. Please send me an updated copy of my credit report once the collection account has been deleted. Failure to comply with this request will leave me no choice but to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal recourse. 

Thank you for your immediate attention to this matter. Please provide written confirmation that the account has been removed, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., you are required to ensure that the information you report is accurate and properly verified. Specifically, you are prohibited from reporting incorrect information to credit bureaus. Additionally, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., mandates that all information provided to credit reporting agencies must be accurate. The FCRA also requires that you investigate any disputes and provide verification when requested.

I have reason to believe that the information you are reporting is either inaccurate or incomplete due to the incorrect data you hold on file. As such, I formally dispute the validity of this debt. Under the FDCPA, 15 U.S.C. 1692g, you are required to cease all collection activities, including reporting this debt, unless you can verify its accuracy. If you can not provide verification of this debt, it must be removed from my credit report.

I request that you : 1. Provide proof that the debt is mine, including the original creditors name, the amount of the debt, and any supporting documentation ( such as a contract or account history ).

2. Provide confirmation that you have corrected any inaccuracies on my credit file and removed this debt if you can not properly verify it. 
XXXX. Cease reporting this debt to the credit bureaus until it has been properly validated and verified. 

Please send the requested verification and a written response confirming the removal of this debt from my credit report within 30 days, in accordance with the laws mentioned above. 

If you fail to provide adequate verification, I will request that the credit bureaus remove this debt from my credit report, as required by law. I will also consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
creditor reported on XX/XX/XXXXXXXX XXXX  BALANCE XXXX CREDIT LIMIT XXXX AND THEY ARE REPORTING AS LATE AND IT SHOULD BE DISCHARGED IN MY BANKRUPTCY XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation