vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Date : XX/XX/XXXX Re : Request for Deletion/Correction of Personal Identifiable Information This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Pursuant to my rights under the FCRA and Metro 2 reporting standards, I am requesting the immediate deletion of all inaccurate and unverifiable personal identifiers currently listed in my consumer credit file.

According to 15 U.S.C. 1681 ( a ) ( 4 ), consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy. Additionally, under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information you report. 
I demand that you retain ONLY the following correct identifiers on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX All other data must be deleted immediately, including but not limited to : Outdated or prior addresses ( I can not receive mail or correspondence at those addresses ) All phone numbers ( which are irrelevant to creditworthiness and not required under Metro 2 standards ) All employer information ( employment history is not required under Metro 2 guidelines and violates my right to privacy if retained unnecessarily ) Any other personal identifiers not listed above Furthermore, displaying my SSN and Date of Birth within my credit file creates an undue risk of identity theft. Pursuant to 15 U.S.C. 1681c ( a ) ( 1 ) and Metro 2 compliance standards, you must safeguard my private information and ensure only permissible identifiers remain. 
Failure to comply with these requirements will place you in direct violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Obligation to reinvestigate disputed information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Duty to promptly delete inaccurate, unverifiable, or incomplete information 15 U.S.C. 1681b Restrictions on permissible purposes for disclosure of consumer information 15 U.S.C. 1681n & 1681o Civil liability for willful or negligent noncompliance Be advised that I am a federally protected consumer, and I am asserting my rights under the law. If you fail to update and delete the disputed personal information within the required 30-day time frame per 15 U.S.C. 1681i ( a ) ( 1 ), I will have no choice but to pursue all remedies available under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and State Attorney General, as well as seeking civil remedies for damages.

Please provide written confirmation once the deletions and updates have been completed. 
Respectfully, 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 explanation
Consumer complaint received 2025-10-12 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: TN

Complaint narrative:
I applied for an XXXX  plan in XX/XX/XXXX. Then again in XX/XX/XXXX at the websites request. I was told it would be processed in 60 days and they have done nothing. I have called several times and usually get hung up on or have to wait hours and then get hung up on. MOHELA has not processed my XXXX  and my loans are in forbearance thus effecting my pslf forgiveness. I need help. My provider is Mohela. They do not respond to emails or written faxed letters. I have called Fed loan and made a complaint with no answers. I have called.my senator with no answers. I need help getting my XXXX  processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I was denied a credit card because of a XXXX USAA related XXXX account. The account labeled as derogatory/delinquent belonged to my son and not me. When he turned XXXX, his account was converted from a youth account. The incidence related to his account was based on fraudulent activity and a takeover of his account. I do not have a XXXX USAA deposit account and was unfairly attached to that activity. As a result, I was declined for the credit card. I am a satisfied member overall and I wish I didnt have to report this activity, but it did affect my credit score by adding another inquiry to my credit report and by labeling me with activity that will cause an adverse response to any product I want to open with USAA as well as other companies. I have secured a car loan recently and that information may have affected my interest rate for that loan.

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 2025-10-12 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:
Subject : Formal Dispute and XXXX XXXX XXXX XXXX XXXX Account # XXXX Re : FCRA 1681b, 1681s-2 ( b ), and FDCPA 1692c ( c ) To Whom It May Concern, I am submitting this letter as a formal dispute regarding the accuracy and legality of an account reported under my name and credit file : Creditor : Security Credit Service Account Number : XXXX Type : collection Status : collections I have reason to believe this account is being reported without proper authorization or a lawful permissible purpose as required by 15 U.S. Code 1681b. I have not been provided with documentation verifying that XXXX XXXX XXXXXXXX obtained or furnished my consumer information in compliance with this statute. 

Under FCRA 1681s-2 ( b ), upon receipt of a consumer dispute, the credit reporting agency is required to : 1. Notify the furnisher of the dispute ; 2. Conduct a reasonable investigation ; and 3. Delete or correct any information that can not be verified as accurate and complete. 



In addition, a cease-and-desist notice has been issued to the furnisher under 15 U.S. Code 1692c ( c ) of the FDCPA, which prohibits further communication or collection attempts except as required by law.

Accordingly, I am requesting that your bureau conduct a full reinvestigation of this XXXX XXXX XXXXXXXX account and provide written confirmation of one of the following within 30 days of receipt of this letter : Verified documentation proving the accounts accuracy, authorization, and lawful reporting, or Immediate deletion of the account from my credit report if such verification can not be substantiated. 


Please send me the results of your investigation along with copies of all materials used to verify this account. 

If this information is not verified as required under the FCRA, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of federal consumer protection laws.

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 2025-10-12 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:
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 2025-10-12 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I do not know what this company is. I am a victim of identity theft I was robbed and my purse with my drivers license and social was stolen and used for things I did not apply for for the past years.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
This report serves as a formal complaint and request under the Fair Credit Reporting Act ( FCRA ) to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). XXXX XXXX XXXX has identified inaccurate and unauthorized accounts and inquiries appearing on her XXXX credit report. This includes items resulting from a data breach that exposed her personal and financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Information I requested prior 1681i ( a ) ( 5 ) ( B ) reinsertion certification + copy of the 5-day reinsertion notice ; 1681i ( a ) ( 6 ) ( B ) ( iii ) Method of Verification and full reinvestigation file ; 1681i ( a ) ( 7 ) description of procedures ; 1681s-2 ( a ) ( 5 ) Date of First Delinquency ; complete XXXX furnish log ( all communications with ELAN ) CFPB has log.

Reinsertion after prior correction 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Timeline ( from my Experian/Eqfx reports XXXX : XX/XX/XXXX Experian : XXXX tradeline XXXX XXXX XXXX XXXX XXXX XXXX CACS XXXX ) showed {$0.00} after prior correction. 
XX/XX/XXXX Experian : Same tradeline reappeared/updated to charged off ; ~ {$1600.00} past due ; {$1400.00} written off ; last payment XX/XX/XXXX ; account closed ; information disputed by consumer. 
XXXX XX/XX/XXXX Equifax : XXXX tradeline removed/zeroed. ( Inter-bureau inconsistency. ) Statutory defects ( Experian as CRA ) : 1681i ( a ) ( 5 ) ( B ) : If deleted information is reinserted, the CRA must first obtain a certification of accuracy from the furnisher and send me written notice within 5 business days of reinsertion. I received no notice, and Experian has not produced any certification.

1681e ( b ) : Failure to maintain procedures for maximum possible accuracy ( Equifax deleted ; Experian is reporting ).

1681i ( a ) ( 1 ) : No reasonable reinvestigation evident. 
1681s-2 ( a ) ( 5 ) : The Date of First Delinquency ( DOFD ) must control obsolescencerisk of re-aging exists given the new XX/XX/XXXX update. 

This filing is not a duplicate ; it addresses new reinsertion after the XX/XX/XXXX correction. Please associate prior CFPB filings already on record for this tradeline.

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 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
I identified several inconsistencies and potential red flags within my vehicle loan contract with United Auto Credit Corporation. As a result, I submitted a formal request for debt and account validation, asking the company to verify the accuracy and legitimacy of all charges, fees, and balances associated with my account. 

I provided United Auto Credit more than sixty ( 60 ) days to respond to this validation request, but I did not receive any reply or supporting documentation.

Subsequently, I issued a tender for payment in the full payoff amount with the intent to satisfy, discharge, and release any remaining debt obligation, as well as to request that United Auto Credit release the lien on the vehicle title. In that correspondence, I clearly stated that the company had ten ( 10 ) days to either accept and apply the tender to the account or, if rejecting it, to provide a written explanation and return all submitted tender materials unaltered. 

To date, I have received no response to my validation request or tender for payment. The companys continued lack of communication raises serious concerns regarding its compliance with fair lending, disclosure, and validation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: SC

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 2025-10-12 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: FL

Complaint narrative:
A fair resolution would be for TransUnion to : Reinvestigate and verify the accuracy of the information reported for the XXXX XXXX XXXX XXXX XXXX account ( # XXXX ) directly with the furnisher. 

Remove or correct the inaccurate 30-day late notation reported for this account, as payment records confirm that all payments have been made on time and no delinquency occurred.

Update the account status to accurately reflect Paid or Paying as Agreed Never Late ( PAANL ) for all reporting months.

Provide written confirmation once the correction has been completed and ensure that the inaccurate late payment information will not be reinserted without proper certification, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Ensure compliance with the Fair Credit Reporting Act ( FCRA ) by maintaining accurate and verifiable information as required under 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Send a corrected copy of my TransUnion credit report showing the verified and accurate payment history for this account.

These actions would resolve the issue fairly by restoring the accuracy and integrity of my credit report and preventing any future negative impact on my creditworthiness.

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 2025-10-12 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: CO

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 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief