vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
These student loans have been reporting on my credit for over XXXX  years it should be deleted from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
These student loans have been reporting on my credit for over XXXX  years it should be deleted from my credit file

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 2025-05-08 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: CA

Complaint narrative:
Date : XX/XX/year> To : TransUnion Subject : Identity Theft Dispute Unauthorized Collection Accounts Reporting on My TransUnion Credit File Dear TransUnion XXXX Department, I am writing to formally dispute the presence of multiple unauthorized collection accounts currently reporting on my TransUnion credit file. These accounts are not mine, and I am demanding that they be permanently deleted in accordance with federal law. 
I recently became aware that I am a victim of multiple identity theft incidents, including exposure through the TransUnion data breach. As a beautician by trade, Ive never needed to rely on credit, as I operate primarily with cash payments. I have never opened or authorized the following accounts, which are now harming my credit report : Disputed Collection Accounts : XXXX. XXXX XXXX XXXX {$580.00} XXXX. XXXX XXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX {$1400.00} XXXX. XXXX XXXX XXXX XXXX - {$0.00} Applicable FCRA Laws and Legal Justification for Permanent Deletion : XXXX. 15 U.S.C. XXXXe ( b ) Duty to Ensure Maximum Possible Accuracy XXXX must maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. Reporting accounts that were fraudulently opened violates this statute. 

XXXX. 15 U.S.C. XXXX Blocking of Information Resulting from Identity Theft When identity theft is reported and properly documented, XXXX is required to permanently block the fraudulent information from reappearing on the credit file. 

XXXX. 15 U.S.C. XXXXb Permissible Purpose Consumer reports can only include information obtained for a lawful and authorized purpose. None of these accounts were authorized by me. 

XXXX. 15 U.S.C. XXXX & XXXX Civil Liability for Willful or Negligent Noncompliance If XXXX fails to comply with these provisions, it is subject to civil liability, including statutory and punitive damages. 

My Formal Requests : XXXX. Immediately and permanently delete all XXXX collection accounts listed above from my TransUnion credit file XXXX. Block these accounts from being reinserted under 15 U.S.C. XXXX XXXX. Provide me with a written confirmation that these accounts have been deleted XXXX. Ensure that all further actions taken on my file are compliant with FCRA obligations Please consider this letter as part of my formal identity theft claim. I will be submitting my FTC Identity Theft Report and supporting documents, including my ID and Social Security card, as part of my complete dispute package. I expect swift and lawful action in resolving this matter. 

Sincerely, 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 2025-05-08 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: CA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

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 2025-05-08 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion LLC\nConsumer Dispute CenterXXXX XXXX XXXX XXXX XXXXRe: Formal Dispute & Immediate Removal Request of Inaccurate Charge-Off Account\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern:\nI am writing to dispute the above-referenced "charge-off" account on my TransUnion consumer\nreport, dated XXXX XXXX XXXX, with a balance of XXXX  Under the Fair Credit Reporting Act\n(FCRA), you must:\n1. Reinvestigate any disputed information within 30 days of receipt (15 U.S.C.  1681i(a)(1)(A)).\n2. Delete any information you cannot verify (15 U.S.C.  1681i(a)(5)(A)).\n3. Ensure all furnished data meets permissible-purpose requirements and is fully verified (15 U.S.C.\nPage 1\n 1681b).\nAccordingly, please provide in writing, within 30 days of your receipt of this letter, the following:\n- A copy of the original, signed contract bearing my signature\n- A complete payment history\n- Documentation of lawful assignment or ownership of the debt\n- Evidence that this account was reported accurately and in compliance with the FCRA\nIf you are unable to furnish this proof, you must permanently delete the account from my credit file\nand any third-party databases to which you disseminate consumer information.\nPlease be advised that if you fail to resolve this dispute within the statutory timeframe, I will file a\ncomplaint with the Consumer Financial Protection Bureau and may pursue civil remedies under 15\nU.S.C.  1681n & 1681o for willful noncompliance.\nThank you for your prompt attention to this matter. Please send your response to the address above\nvia certified mail, return receipt requested, so that I have proof of your compliance with federal law.\nSincerely,\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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: KY

Complaint narrative:
I Mailed a letter, XXXX  that Kovo Inc had emailed my pertaining to a late Payment Removal. They 1st said they Couldnt removed it do to it was a email not in a letter form, Then they mailed a letter and saying the information was accurate. They also said they Couldnt remove to I Mailed and a letter and I Did please help move removal this late Payment!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
Please review this complaint carefully, as it was not sent by mistake. My report appears to contain mixed information, and I have repeatedly come across accounts, transactions, and items that do not belong to me. This situation is very concerning and is causing me significant stress and 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 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
To Whom It May Concern, I am writing to requesting assistance in retrieving XXXX that was stolen from my business account with Bank of America. Bank of Americas 45 day investigation decision to deny a refund of {$37000.00}, which was fraudulently withdrawn from my business account ending in XXXX. This loss was the result of unauthorized activity facilitated through Bank of Americas Payments and Invoicing portalan interface I have never used. I strongly believe this situation reflects a failure in the banks security protocols and investigation processes. 

On XX/XX/XXXX, I submitted a fax to ( XXXX ) XXXX, including a signed letter from XXXX XXXX, owner of XXXX XXXX XXXX. In the letter, XXXX XXXX confirms that neither she nor her business received any funds from me ( XXXX XXXX XXXX ) or my company ( XXXX XXXX XXXX ). XXXX XXXX XXXX is also a victim of fraud in this matter and is seeking legal counsel, as their business name was used without authorization in this transaction. 

Furthermore, XXXX XXXX XXXX XXXX XXXX  XXXX providerconfirmed that neither I nor my recruiting business has ever been a client. I also spoke directly with a member of their accounting team, who confirmed that their typical XXXX XXXX  costs approximately {$1000.00} per XXXX, making a charge of nearly {$38000.00} completely inconsistent with their services. 

Again, this transaction was unauthorized and not initiated by me or my business. I urge you to support me in this matter, as if you look at the history of my account, which will clearly show I have never used the Payments and Invoicing system, nor have I conducted payments of this magnitude online. This clearly demonstrates a fraudulent deviation from my typical transaction behavior. 

Attached for your review : Police report # XXXX Letter from XXXX XXXX XXXX verifying their non-involvement I am respectfully requesting that Bank of America reopen the investigation and directly contact XXXX XXXX XXXX to verify their statements. Based on the evidence, I ask that the full amount of {$37000.00} be refunded to XXXX XXXX XXXX. 


I hope we can resolve this matter quickly and justly. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-05-08 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: SC

Complaint narrative:
On XX/XX/year>, I received an alert for a new collection account on my credit report from a company called XXXX XXXX XXXX for the amount of {$1200.00}. I never received any validation or notification about this debt prior to seeing it on my credit report. 

I have never heard of this company, never received any bills, notices, or communications from them, and have not been provided any validation of this alleged debt. 

This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which requires a collector to provide written validation within 5 days of first contact. No such contact or validation was made and as a result this has damage my credit standing.

This also raises privacy concerns, as my report was exposed without any verification of identity or notice of the collection activity beforehand.

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 2025-05-08 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: SC

Complaint narrative:
On XX/XX/2025, I received an alert for a new collection account on my credit report from a company called XXXX XXXX XXXX for the amount of {$1200.00}. I never received any validation or notification about this debt prior to seeing it on my credit report. 

I have never heard of this company, never received any bills, notices, or communications from them, and have not been provided any validation of this alleged debt. 

This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which requires a collector to provide written validation within 5 days of first contact. No such contact or validation was made and as a result this has damage my credit standing.

This also raises privacy concerns, as my report was exposed without any verification of identity or notice of the collection activity beforehand.

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 2025-05-08 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: CA

Complaint narrative:
THE FOLLOWING ACCOUNT IS A MEDICAL ACCOUNT.THE ACCOUNT IN QUESTION IS XXXX XXXX XXXX XXXX XXXX XXXX .THIS ACCOUNT WAS USED TO PAY MY MEDICAL, DENTAL AND MEDICINE OBLIGATIONS.PER FEDERAL, THE CONSUMER FINANCIAL PROTECTION BUREAU ( REGULATION V AND SENATE BIL 5480 ) STATES THAT ALL MEDICALLY RELATED CREDIT FILES MUST BE REMOVED 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 2025-05-08 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XX/XX/2025, I submitted a formal dispute to Ally Financial regarding the inaccurate and damaging reporting of account # XXXX on my credit reports. Despite being notified of this dispute and the request for verification or deletion, Ally Financial failed to provide documentation or remove the inaccurate entry. 

This account is being reported as derogatory and contains errors regarding payment history that have not been verified. These negative remarks are damaging my credit standing and limiting my ability to access essential financial products. 

Violations Identified : 1. Failure to Conduct a Reasonable Investigation ( FCRA 623 ( a ) ( 8 ) ) Ally Financial was notified in writing that the information reported was inaccurate and was requested to provide documentation or remove the entry.

No reinvestigation report, written verification, or supporting documentation was received from Ally Financial. 
2. Furnishing Inaccurate or Incomplete Information ( FCRA 1681s-2 ( a ) ) Ally continues to report derogatory marks on the account, including late payments that I have disputed.

Reporting is inconsistent with CDIA XXXX XXXX  guidelines and lacks validation. 
3. Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) The reported tradeline does not reflect accurate payment history or up-to-date account status.

No other credit bureau has received verified confirmation of this data, yet the entry remains unchanged.

Impact on Me as a Consumer : Due to Allys failure to validate or correct this account, I have experienced : Rejected credit applications Lowered XXXX scores Emotional stress and hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
In XX/XX/year>, I contacted MOHELA and was told that my account would be brought back into good standing, and that I would be placed in forbearance for 60 days due to the temporary pause on the IDR ( Income-Driven Repayment ) plan. I was told that I would not be considered late or delinquent during this time. I submitted my IDR application, which is still under review, and my account has remained in forbearance. 

Despite this, my credit report shows that the loan balances have increased as if I missed payments, even though no payments were due during the forbearance period. My credit score has also decreased as a result. I believe this is inaccurate reporting, and I have documentation showing I was in forbearance. I reached out to MOHELA, but their response did not clearly address the issue or correct the misinformation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: KY

Complaint narrative:
I Mailed a letter, XXXX  that XXXX XXXX had emailed my pertaining to a late Payment Removal. They 1st said they Couldnt removed it do to it was a email not in a letter form, Then they mailed a letter and saying the information was accurate. They also said they Couldnt remove to I Mailed and a letter and I Did please help move removal this late Payment!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX number social : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX City : XXXX Email Address : XXXX Phone Number : XXXX. 

Date : XXXX To : Experian XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Late Payment - XXXX  XXXX Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on my XXXX XXXX XXXX  XXXX XXXX account ending in XXXX. The report inaccurately states that the account is 2 payments or less past due with a past due balance of {$6.00}, despite the fact that I have consistently made timely payments and have never been late. 

Per 15 U.S.C. 1666b, payments received before XXXX XXXX on the due date must be credited promptly. If this alleged delinquency is due to an internal processing delay or systemic issue, it must be corrected immediately under federal law. 

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you perform a full reinvestigation of this disputed item and provide me with the method of notification used to inform me of any delinquency or outstanding balance. Please include : - The date and method used to notify me of the past due balance, - Any notices or letters sent by XXXX XXXX, - Payment history and posting dates. 

This inaccurate late payment is negatively impacting my credit profile and must be corrected. Please update this tradeline to reflect a paid-as-agreed status or provide sufficient verification from the data furnisher. 

If you are unable to verify the accuracy, please remove this erroneous information within 30 days of receipt, as required by law. 

Sincerely, 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 2025-05-08 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: GA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX number social : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX City : XXXX Email Address : XXXX Phone Number : XXXX. 

Date : XXXX To : Experian XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Late Payment - XXXX  XXXX Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on my XXXX XXXX XXXX  XXXX XXXX account ending in XXXX. The report inaccurately states that the account is 2 payments or less past due with a past due balance of {$6.00}, despite the fact that I have consistently made timely payments and have never been late. 

Per 15 U.S.C. 1666b, payments received before XXXX XXXX on the due date must be credited promptly. If this alleged delinquency is due to an internal processing delay or systemic issue, it must be corrected immediately under federal law. 

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you perform a full reinvestigation of this disputed item and provide me with the method of notification used to inform me of any delinquency or outstanding balance. Please include : - The date and method used to notify me of the past due balance, - Any notices or letters sent by XXXX XXXX, - Payment history and posting dates. 

This inaccurate late payment is negatively impacting my credit profile and must be corrected. Please update this tradeline to reflect a paid-as-agreed status or provide sufficient verification from the data furnisher. 

If you are unable to verify the accuracy, please remove this erroneous information within 30 days of receipt, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief