vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC
State: MO

Complaint narrative:
XXXX  XXXX  hasn't written this account off on it's taxes, when i called they stated they are no longer reporting this debt to the credit burean, i ask for a 1099-C can be giving to me, By law they can not collect from a debt that has been written off. And i was sue for fraude, remark state profit of loss write-off,

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 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Mohela owes me money for overpaid student loans. I received a letter in XXXX stating I would get the refund in 60 days. At the end of 60 days I called and they said I was given the wrong information and it would be 90 business days. I waited the 90 business days I called and they said it would be a few more days and that it would be refunded my XX/XX/XXXX. That day has come and gone and I have no refund. I have called and no one has any answers. My last response was that they are having issues with their accounting department. I would like to know when I will get my money refunded. It is over $ XXXX at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-21 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
Today, I discovered some incorrect accounts on my credit report, and I dont know the reason behind their appearance. I reviewed my credit report as I usually do, only to find these strange inconsistencies. I attempted to reload the browser in case it was an error, but the accounts didnt disappear. Im therefore asking that the documents Ive provided be examined closely, so I wont have to deal with this kind of issue again.

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 2025-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
I received an email from Sequium Asset Solutions on XXXX XXXX 2025, regarding an alleged XXXX XXXX debt of {$1500.00}. On XXXX XXXX 2025, I exercised my right under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) by sending a written request for debt validation via email. I requested a breakdown of the debt, the name and address of the original creditor, and verification of their legal authority to collect. 

As of today, Sequium has not responded with any of the requested documentation. This is a violation of the FDCPA, and I am requesting that this debt be removed from all credit reports and that all collection efforts cease. I am seeking CFPB assistance to ensure compliance and to stop unlawful collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
Im submitting this complaint regarding a false and inaccurate collection account currently being reported by Credit Control LLC on my credit report. I urgently need help resolving this matter, as it is actively harming my credit, financial well-being, and overall livelihood.

This alleged debt originally came from XXXX XXXX. In a previous complaint, I did not mention XXXX by name, but I want to clarify now that they are the original creditor. The debt was later sold to XXXX XXXX XXXX, who investigated the account after I disputed it and provided proof of my identity. XXXX XXXX concluded the account was inaccurate and removed it from my credit report. 

However, the same false debt has now been re-reported by Credit Control LLC under their name. I contacted Credit Control LLC several times by phone and formally asked them to provide : A copy of the original agreement bearing my signature Proof of legal ownership or assignment of the debt Documentation to verify the debt belongs to me They have failed to provide any of this information. 

Instead, they claimed to have no record of the debt or of reporting anything on my credit, even after I gave them my full Social Security Number. This is extremely concerning and misleading. The collection is currently showing up on my Equifax credit report under Credit Control LLC, despite them claiming otherwise. Additionally, the name on the account doesnt match my legal name, which I had previously confirmed through government-issued ID. 

This inaccurate account has caused a XXXX drop in my credit score, and I am now being denied housing, credit, and other opportunities all because of a debt that has already been removed once, and should never have reappeared.

I believe Credit Control LLC is in violation of : FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate FCRA 611 Failing to reinvestigate disputed information FDCPA 809 Failing to provide debt validation when requested FDCPA 807 Misleading and deceptive practices in debt collection

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 2025-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Submitted early termination letter to XXXX XXXX XXXX XXXX2024. Vacated apartment on XX/XX/year>2024. XXXX rent was paid in full. Property kept entire security deposit. Apartment was listed available on property web site for less than week. Received email from XXXX XXXX XXXX XXXX,2024 stating we owed for XX/XX/scrub> 2024 for {$1200.00}. On XX/XX/year>2024, at XXXX, XXXX XXXX XXXX wrote : XXXX XXXX kept security deposit for move out XXXX XXXX 2024. Apartment released in XX/XX/year>2024. Its now been 4 months and this is first notification of balance owed. Its over the 45 days required notification covered by the XXXX XXXXXXXX XXXX and Tenant Act. Sent from my XXXX Received a phone call in XX/XX/year>2024. Im getting calls from XXXX XXXX leaving messages that they are XXXX XXXX. I dont know whats going on but why is XXXX XXXX calling me? As I expressed previously XXXX XXXX kept security deposit for move out XX/XX/year>2024. Apartment released in XX/XX/scrub> 2024. Its now been 4 months and this is first notification of balance owed. Its over the 45 days required notification covered by the XXXX XXXXXXXX XXXX and Tenant Act. I will contacting Office of the Attorney General in Virginia. Sent from my XXXX Now receiving calls from TSI collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been fighting this account with Experian for a over a year. They keep verifying the account without bases. I asked Experian for their reinvestigation procedure for my dispute with Education Systems they provided nothing and that violates the FCRA. I sent a certified mail dispute in XX/XX/year>XXXX  and they still verified the account and I know Experian not conducting proper investigation on my dispute because I provided a Metro 2 Compliance dispute. It's no way that they found the account reporting correctly. EQUIFAX AND XXXX  HAS DELETED THE ACCOUNT IN QUESTION AT THIS TIME.

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 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 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I was a XXXX consumer and got a new account while on XXXX XXXX XXXX. The original amount shouldnt have gone to collections as it was paid in full within grace period. XXXX It is still showing on all XXXX bureaus years later. It has hurt my credit and still reports as a collection. I have disputed but no changes have been made. I would like this removed and deleted from my accounts and credit reporting to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
This account is currently involved in pending litigation, and the matter hasnt been resolved yet. Given the circumstances, its not appropriate for this to be reflected on my credit report at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called JPMC as the account reflects In Collections/Charge-Off, but I never received a 1099 form for tax purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
Consumer Statement : I am submitting this complaint to request the immediate investigation and removal of inaccurate and unauthorized accounts appearing on my credit report. The following accounts are not mine and were added without my knowledge or consent : XXXX XXXX Opened on XX/XX/XXXX XXXX-Opened on XX/XX/XXXX XXXX XXXX XXXX-Opened XX/XX/XXXX I have never opened or authorized these accounts, and I believe they may be the result of identity theft or a reporting error. I have contacted the credit reporting agencies and the data furnishers directly to dispute these entries. Despite this, the accounts remain on my credit report and continue to negatively affect my credit score and financial reputation. 

I am requesting that the CFPB assist in ensuring that the credit bureaus and the furnishers comply with the Fair Credit Reporting Act ( FCRA ) by conducting a complete and timely investigation and removing these inaccurate accounts from my file. 

Please find attached my dispute letters, responses ( if any ), and any supporting documentation I have provided in previous communications. 

Thank you for your attention to this urgent matter.

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 2025-04-21 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:
Subject : Dispute of Inaccurate Information under FCRA 1681e ( b ) Request for Immediate Correction Dear Experian, I am writing to formally dispute inaccurate and damaging information that is being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report. 

The account in question, XXXX XXXXXXXX, is currently reporting incorrect balances and erroneous monthly updates. These inaccuracies are not only misleading but are also materially affecting my credit standing and damaging my personal and professional reputation. 

This inaccurate reporting must be corrected or removed immediately. I request that you investigate this matter, in accordance with FCRA guidelines, and provide me with written confirmation of your findings and actions taken. If the account can not be verified as accurate, it must be removed from my credit report. 

Please consider this a formal demand for correction. If these inaccurate records are not addressed promptly and appropriately, I will be forced to pursue legal remedies including but not limited to filing a lawsuit for damages due to negligence and harm to my reputation. 

Thank you for your prompt attention to this matter. I expect a full resolution within the XXXX period allowed under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: WI

Complaint narrative:
My personal information was exposed in a data breach. These accounts and inquiries do not belong to me. 

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 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 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 explanation
Consumer complaint received 2025-04-21 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: NV

Complaint narrative:
I have numerous inquiries on my credit that I did not do it was fraud XXXX XXXX, XXXXXXXX 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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-21 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: CA

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. 

XXXX  acct # XXXXXXXX XXXX acct # XXXX XXXXXXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX XXXX acct # XXXX I looked at my report dated XX/XX/scrub>/2025 and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer 's report, it will follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681.

And according to 15 USC 1681, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information, ( A ) In general, after any investigation under paragraph ( 1 ) of any information dispute by the consumer, an item of the information is found to be inaccurate, or incomplete or can't be verified, the consumer agency shal- ( 1 ) Promptly delete that item or information from the file of the consumer, or modify that information as appropriate, based on the results of the investigation and ( II ) Promptly notify the furnished of that information that the information has ben modified or deleted from the file of the consumer.

and according to the 15 USC 1681s-2, they are not supposed to furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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