vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: PA

Complaint narrative:
unauthorized use of my personal information by transunion specifically their actions in including or modifying entries on my credit report without my expressed written consent. These actions violate consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and relevant provisions under 12 CFR 1022.3, which define identity theft and emphasize the need for proper authorization when handling consumer data. 

Without my prior written consent, credit bureaus have added, modified, or retained the following items on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,XX/XX/XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, all hard inquiries 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Also, 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I requested multiple methods of verifications for accounts you claimed were verified and the information is still incorrect or incomplete on multiple accounts.

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 2025-01-15 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: RI

Complaint narrative:
On XX/XX/year> I paid in full my XXXX student loan in the amount of {$6300.00}. That payment closed out the account and brought it to aXX/XX/XXXX balance. XXXX never updated my credit report to show it was paid in full and with aXX/XX/XXXX balance ( last credit report update was XX/XX/year> ). XXXX no longer services the account and it's now serviced by Mohela ( even though account was paid in full and closed prior to being transferred to Mohela ). Mohela has provided contradictory information and stated that they updated the credit agencies on XX/XX/XXXX that the account was paid in full- the credit reporting agencies haven't received this information. I called Mohela today and was told that I have to send a letter to dispute the information and that it's not their job to correct incorrect information unless I send in a letter. This is unacceptable as it's still showing open with a balance. 

I have been lied to by Mohela multiple times about this. They have claimed to report this as paid off multiple times when it has not been. I previously submitted CFPB complaint XXXX that the credit report would be updated at the end of XX/XX/year>- it has not happened. I have attached proof as well that on XX/XX/year> that Mohela said they also reported it as closed and paid in pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, paXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT ACCOUNT NUMBERXXXX. 
ORIGINAL CREDITOR : XXXX Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting " Proper Validation and Proof of Claim '' as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identity me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is continuing to report a court settled matter on my credit report. XXXX case was dismissed for lack of prosecution because they could not validate or prove their is a debt nor were they ever financially harmed by me, i have mailed the court order of dismissal to Experian and they still are reporting this false information on my credit report, this case was decided in the circuit/county court of the XXXX jurisdiction in and for XXXX XXXX XXXX XXXX, proof will be attached

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 2025-01-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Copy of original contract that I signed bearing my signature that from original creditor. 
Payment history Name and address of a creditor. 
Proof of ownership they've been assigned this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: GA

Complaint narrative:
Im filing this claim to report an inaccurate item on my credit report That continues to negatively impact my credit. I have tried to resolve this directly with the reporting agencies, but it still remains an issue. I am looking for assistance in looking into this matter for me. So I could have these negative reports resolved. These reports are not accurate and do not reflect my actual credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dispute reason Unverified account I never had a contract with this debt collector for any debt. 
Dispute result Your items currently remain on your most recent credit report. Unless you have received a direct mail from XXXX, there is still a chance that it will be removed in the coming days.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive been telling Experian for the last few years that I dont have a bankruptcy and even provided proof from the courts and they still didnt remove the information stating that they verified the information and hasnt sent any proof. Ive been denied for many things in the past few years all because they say that I have this.Its not on any other credit report only this one.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-14 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: TX

Complaint narrative:
Your company placed inquiries on my credit report that I did not authorize, and its creating issues with my credit that I shouldnt have to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
We purchased a vacation package from XXXX XXXX XXXX XX/XX/year> using a credit card they directed us to use. It is called XXXX XXXX also called Comenity Bank. We tried to used the service and they did not honor the terms they told us over the phone. We disputed the charge with the bank and they slow walked the process. The bank kept giving XXXX XXXX XXXX more and more time to respond. After months of this the bank finally denied our dispute. We have not used the service and now the bank wants us to pay for the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the inaccurate information. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
A couple years back I used Zelle through my bank. I accidentally Zelle a unknown person and was not able to get it reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NV

Complaint narrative:
This account XXXX XXXX XXXX  with the number XXXX is incorrectly reporting a rating of CollectionOrChargeOff on my credit report, and I am demanding its immediate deletion! 
Youve indicated that the account was opened on XXXX and that the last activity occurred on XXXX. These dates are inaccurate, and I expect you to take corrective action now. 
Youve also noted that the last verified date was XXXX. Under my rights granted by the Fair Credit Reporting Act, I am requesting the exact methods and evidence used to verify this information. Furthermore, provide me with documented proof of your claim that I owe {$12000.00}, as I firmly contest this amount. 
Case law supports my demand : XXXX v. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX ( XXXX. 
XXXX. XXXX ) emphasized that inaccuracies must be rectified ; XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) reinforced the obligation to verify disputed information ; and XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) requires the deletion of false or unverifiable information. Take these precedents seriously and resolve this matter immediately. 

I am contacting you regarding the inaccurate reporting of the account XXXX XXXX XXXX with number XXXX on my credit report. The account is currently reflected as XXXX, with the date opened listed as XXXX, the date of last activity as XXXX, and the last verified date being XXXX. This information is incorrect, and I am formally requesting the immediate removal of this account from my credit report. 
According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy of the data they report. Furthermore, I demand that you provide documentation to verify the accuracy of this account and proof of the alleged {$18000.00}, as I dispute owing this amount. 
The courts have made it clear in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX that credit reporting agencies have a duty to ensure that the information reported is accurate and verifiable. 
In this case, the court determined that inaccurate reporting and failure to conduct a reasonable investigation violated the FCRA, resulting in damages awarded to the plaintiff.

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 2025-01-14 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-14 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to not only my credit health, but my life as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  XX/XX/XXXX {$0.00}

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 explanation
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00}

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 explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AR

Complaint narrative:
I had a few transctions I did not approve through zelle be taken out my bank out. I called zelle and they would not help. Told me once it's sent it gone. I lost wages and got evicted behind this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
Your company has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB, Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where your company has neither corrected nor removed disputed items despite the evidence, I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as these inactions violate federal law.

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