vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried dispute unrecognizable inquires and accounts on my credit report for years. None of my disputes have been reviewed or removed. There are address on my credit i don't recognize, these guys dont respond or update information which effects someone being able to get approved for home, cars or basin credit cards. These guys negligence is ruining people lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
I have tried dispute unrecognizable inquires and accounts on my credit report for years. None of my disputes have been reviewed or removed. There are address on my credit i don't recognize, these guys dont respond or update information which effects someone being able to get approved for home, cars or basin credit cards. These guys negligence is ruining people lives.

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 2025-03-17 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: FL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX, XXXX, Equifax, and XXXX for their continued violations of the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting information on my credit report, despite multiple dispute attempts. 
XXXX XXXX has been reporting late payments for several years ip until XX/XX/XXXX, even though the account in question was closed in XX/XX/XXXX and charged off as a profit and loss write-off. According to FCRA regulations, once an account is charged off and closed, a creditor is prohibited from continuing to report late payments beyond that point. The continued reporting of inaccurate late payments is unlawful and has severely impacted my credit score, preventing me from refinancing my home. 
FCRA Violations Committed by XXXX XXXX and Credit Bureaus XXXX XXXX reporting practices, as well as the credit bureaus failure to correct these inaccuracies, violate multiple sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

15 U.S. Code 1681s-2 ( a ) ( 2 ) ( B ) Requires furnishers to correct and update information to maintain accuracy.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Mandates the deletion of disputed information that can not be verified or is inaccurate. 
Despite submitting disputes to XXXX, Equifax, and XXXX, they have refused to remove the account on the grounds that it was " verified. '' However, the issue is not the accounts validity but the continued misreporting of late payments years after the account was closed and charged off. This constitutes a direct violation of federal law and is causing financial harm by unjustly lowering my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX, Experian, XXXX, and XXXX for their continued violations of the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting information on my credit report, despite multiple dispute attempts. 
XXXX XXXX has been reporting late payments for several years ip until XX/XX/XXXX, even though the account in question was closed in XX/XX/XXXX and charged off as a profit and loss write-off. According to FCRA regulations, once an account is charged off and closed, a creditor is prohibited from continuing to report late payments beyond that point. The continued reporting of inaccurate late payments is unlawful and has severely impacted my credit score, preventing me from refinancing my home. 
FCRA Violations Committed by XXXX XXXX and Credit Bureaus XXXX XXXX reporting practices, as well as the credit bureaus failure to correct these inaccuracies, violate multiple sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

15 U.S. Code 1681s-2 ( a ) ( 2 ) ( B ) Requires furnishers to correct and update information to maintain accuracy.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Mandates the deletion of disputed information that can not be verified or is inaccurate. 
Despite submitting disputes to Experian, XXXX, and XXXX, they have refused to remove the account on the grounds that it was " verified. '' However, the issue is not the accounts validity but the continued misreporting of late payments years after the account was closed and charged off. This constitutes a direct violation of federal law and is causing financial harm by unjustly lowering my credit score.

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 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I never had a contract with this debt collector XXXX for any debt. This debt collector has failed to provide the following information : - Original contract from the original creditor with my signature on it. 
- Payment history with the original creditor - Proof of debt assignment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear XXXX, I have been a victim of identity theft, and upon reviewing my credit report, I have discovered unauthorized inquiries that were made without my consent. To support this claim, I have filed a report with the Federal Trade Commission ( FTC ), and I am attaching a copy of the FTC police report along with the required documentation. 
Fraudulent inquiries are XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
all three credit bureaus refuse to remove all inquiries off my report equifax transunion experian refuse to remove all fraud inquiries off my report they all say my police reports are not real

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I am writing to you in my capacity as my next step is legal counsel by the name of XXXX XXXX XXXX XXXX XXXX, regarding this balloon payment loan account with Tower Loan XXXX. After a thorough review of the relevant documents, I have reached out to an attorney. The attorney has identified multiple significant violations of consumer protection laws, including the Truth in Lending Act ( TILA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ), which are all enforced by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). These violations require immediate correction, and I am formally requesting your prompt action to address these issues. 
I am writing to formally address concerns regarding my balloon payment account with Tower Loan XXXX. After careful review, I have identified multiple violations of consumer protection laws, particularly in regard to discrepancies in the account balance and improper interest charges. 
These violations are in direct contravention of the Truth in Lending Act ( TILA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ), all of which are enforced by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

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 2025-03-17 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:
MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. 
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I have the right to privacy, please be reminded, no consent is identity theft Please promptly remove this data within 4 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely compliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
on XX/XX/XXXX I made two purchases : XXXX of {$45.00} and XXXX of {$81.00}. Knowing that XXXX always transfers my XXXX purchases back to my checking account ( XXXX XXXX XXXX XXXX  ), I paid at the same time {$45.00} to make my balance {$0.00}, maybe they won't transfer my XXXX purchases then. Before all of these transactions my balance was {$0.00}. Nevertheless, on Monday, XX/XX/XXXX I realized both (? ) of my transactions ( XXXX and XXXX  ) were trasfered to checking account, but my payment was received! Just ridiculous! What was the payment for, if they transfered both of transactions to my checking account, my balance was {$0.00} before that and they just stole my {$45.00}? I called XXXX XXXX, explained everything, they returned me those money next day. I contacted XXXX right after it, but their customer service was not as helpful as XXXX XXXX, they started to skip me on other people and phone numbers, I didn't have time for it, it was too long, but at least I fully explained the situation. Suddenly, on next Monday, XX/XX/XXXX, I saw on my XXXX account two incorrect fees, they charged me {$45.00} again ( you can see it backdated as " adjustment '' ) and {$17.00} for " returned payment fee ''. My calls to them were unsuccessful, their supervisor XXXX said that they won't return me money.

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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: OR

Complaint narrative:
I am submitting this complaint regarding the unauthorized access, use, and potential misuse of my personal financial data related to my federal student loans. Recent reports indicate that XXXX XXXX 's Department of Government Efficiency ( DOGE ) gained access to sensitive borrower data within the U.S. Department of Education ( ED ), including financial records, credit reports, and personally identifiable information ( PII ), without borrower consent.

According to a federal judges order, DOGE has been required to produce internal records explaining this access, which raises concerns about violations of the Privacy Act of 1974 and the Fair Credit Reporting Act ( FCRA ) ( XXXX ). Additionally, lawmakers have questioned DOGEs use of AI to process sensitive borrower data ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXXXXXX has also filed a lawsuit alleging that this data access violates student privacy rights ( XXXX XXXX ). 
This unauthorized access raises serious concerns about data security, fraud risks, and improper credit reporting.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-17 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 am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : 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 This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I recently disputed the payment status on my consumer report for late payments on my federal student loan account. XXXX and Experian of my loan status being 90 days late. Even though months prior shows on time payment status for those prior months. The lenders XXXX  history shows no late payments ever existed. XXXX have since then corrected the inaccurate information, but recently disputed with Experian they refuse to fix the error. I have provided documentation from the creditor stating the on time status and payments of the account. This is harming my ability to obtain credit. Experian neglect even with the information provided showing the inconsistent, out dated and inaccurate information. Experian refuse to correct this error.

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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
This loan was was originally with XXXX and sold. This was part of a class Action and Ive been charged interest during a forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX : {$24000.00}

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 2025-03-17 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: Marlette Funding, LLC
State: DE

Complaint narrative:
As a consumer is was not giving my disclosures to opt out this account reporting to my credit report. I am not disputing the account however I have the right under the FCRA to opt out of this or any account to be removed from reporting therefore please remove this account from all credit reports immediately or within ten days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Absolute Resolutions Corp.
State: CA

Complaint narrative:
Dear XXXX, I am writing to dispute the presence of an account listed under your name on my credit report, identified by the account number. This account does not belong to me, and I have no knowledge of it. I have never opened, applied for, nor authorized any loan or credit with your company, and I request that you immediately investigate and remove this erroneous information from my credit report. 

To date, I have made multiple attempts to resolve this issue, including contacting both your company and the credit bureaus. Despite my repeated efforts to verify the validity of this account, it continues to appear on my credit report, causing significant harm to my credit standing. I have never had any dealings with your company and do not recognize this account in any capacity.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information that I believe is inaccurate or incomplete on my credit report. As this account is not mine and I have no knowledge of it, I am disputing it as inaccurate.

In accordance with 15 U.S.C. 1681s-2 ( b ), I ask that you conduct a thorough investigation into the legitimacy of this account and provide proof that this account is indeed tied to my identity. If you can not provide evidence that this account is mine, I request that you promptly remove it from my credit report.

Despite my previous attempts to resolve this, the account continues to appear. I believe this is a clear violation of your obligations under 15 U.S.C. 1681e ( b ) to ensure the accuracy and integrity of the information you report to credit reporting agencies.

I request the following actions from your company : Immediate removal of this account from my credit report if you can not provide proof that it is mine. 
Written confirmation that the account has been removed. 
A guarantee that this account will not reappear on my credit report in the future. 
If this matter is not resolved promptly, I will be forced to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the relevant state authorities. 

Please treat this letter as my formal dispute and request for resolution. I expect a response within 30 days, as required by law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
Regardless of the multiple written requests, the inquiry listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the inquiry below in my file : XXXX 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 explanation