vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: LA

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
XXXX has reported me as 30 days late in XX/XX/XXXX or XXXX, I have never missed a payment ever and I have disputed this same reporting and they have corrected it to never late paid as agreed 6 times or more. Every time I file a dispute they change this back to a missed payment. Now they are trying to push it into XXXX. XXXX is not reporting correctly. I was given a new payment date, new terms, and a new amount to be paid or minimum payment. No interest also is to be charged to this account until the balance is paid off in full, and I paid the {$120.00} by the date given. I was supposed to pay by the date given, I met my payment obligations and this account has never had a missed payment. Avant has changed this reporting in the past many times each time violating the FCRA and correcting the payment reporting back to NO PAYMENTS MISSED EVER PAID AS AGREED, and they have also tried to collect a debt using robo calls when I live in California which is a violation of the FDCPA. XXXX is reporting different data to the credit bureaus, reporting different data to XXXX, XXXX and transunion. Avant holdings incorrect record keeping, violations of the FCRA and the FDCPA, speak to their inaccurate record keeping and the fines that would be assessed if I pursued all of these violations of state and federal law the fines accessed for these violations would be much more than my remaining balance. Each time XXXX reports this data incorrectly it effects my health and my XXXX XXXX putting my life at risk, I have to spend time calling in and trying to get it fixed by your employees only to always end up back here reporting the same thing to the CFPB. I am sick and tired of XXXX being able to damage my credit whenever they feel like it due to negligent reporting. The same issue has been reported and corrected by this company many times and now XXXX ant to be compensated for my 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 non-monetary relief
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
XXXX has reported me as 30 days late in XX/XX/XXXX or XXXX, I have never missed a payment ever and I have disputed this same reporting and they have corrected it to never late paid as agreed 6 times or more. Every time I file a dispute they change this back to a missed payment. Now they are trying to push it into XXXX. XXXX is not reporting correctly. I was given a new payment date, new terms, and a new amount to be paid or minimum payment. No interest also is to be charged to this account until the balance is paid off in full, and I paid the {$120.00} by the date given. I was supposed to pay by the date given, I met my payment obligations and this account has never had a missed payment. Avant has changed this reporting in the past many times each time violating the FCRA and correcting the payment reporting back to NO PAYMENTS MISSED EVER PAID AS AGREED, and they have also tried to collect a debt using robo calls when I live in California which is a violation of the FDCPA. XXXX is reporting different data to the credit bureaus, reporting different data to XXXX, equifax and transunion. Avant holdings incorrect record keeping, violations of the FCRA and the FDCPA, speak to their inaccurate record keeping and the fines that would be assessed if I pursued all of these violations of state and federal law the fines accessed for these violations would be much more than my remaining balance. Each time XXXX reports this data incorrectly it effects my health and my XXXX XXXX putting my life at risk, I have to spend time calling in and trying to get it fixed by your employees only to always end up back here reporting the same thing to the CFPB. I am sick and tired of XXXX being able to damage my credit whenever they feel like it due to negligent reporting. The same issue has been reported and corrected by this company many times and now XXXX ant to be compensated for my time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX has reported me as 30 days late in XX/XX/XXXX or XXXX, I have never missed a payment ever and I have disputed this same reporting and they have corrected it to never late paid as agreed 6 times or more. Every time I file a dispute they change this back to a missed payment. Now they are trying to push it into XXXX. XXXX is not reporting correctly. I was given a new payment date, new terms, and a new amount to be paid or minimum payment. No interest also is to be charged to this account until the balance is paid off in full, and I paid the {$120.00} by the date given. I was supposed to pay by the date given, I met my payment obligations and this account has never had a missed payment. Avant has changed this reporting in the past many times each time violating the FCRA and correcting the payment reporting back to NO PAYMENTS MISSED EVER PAID AS AGREED, and they have also tried to collect a debt using robo calls when I live in California which is a violation of the FDCPA. XXXX is reporting different data to the credit bureaus, reporting different data to Experian, XXXX and transunion. Avant holdings incorrect record keeping, violations of the FCRA and the FDCPA, speak to their inaccurate record keeping and the fines that would be assessed if I pursued all of these violations of state and federal law the fines accessed for these violations would be much more than my remaining balance. Each time XXXX reports this data incorrectly it effects my health and my XXXX XXXX putting my life at risk, I have to spend time calling in and trying to get it fixed by your employees only to always end up back here reporting the same thing to the CFPB. I am sick and tired of XXXX being able to damage my credit whenever they feel like it due to negligent reporting. The same issue has been reported and corrected by this company many times and now XXXX ant to be compensated for my 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 2025-03-15 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: GA

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. 


Account Name : XXXX # XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
Alerted the company Caine & Weiner on XX/XX/XXXX I have no knowledge of debt and no contract with them, thus the debt is not owed. After knowing this, they placed a derogatory mark on my credit report and is refusing to take it off as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
please remove and delete these two XXXX XXXX  accounts from my credit report. my information was exposed in the data breach which caused these accounts to be opened in my name without my knowledge. The first account with a balance of {$4600.00} was opened in 2022, and the second XXXX XXXX account with a balance of {$6100.00} was opened in 2022. By understanding my right to privacy under the Fair Credit Report Act, I did not authorize these items listed. I demand these items be removed from my credit report. I understand the creditor bought debt without my wet signature for pennies on the dollar. I know that I am protected under 15 U.S.C Sec 1681i ( a )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: GA

Complaint narrative:
please remove and delete these two XXXX XXXX  accounts from my credit report. my information was exposed in the data breach which caused these accounts to be opened in my name without my knowledge. The first account with a balance of {$4600.00} was opened in 2022, and the second XXXX XXXX account with a balance of {$6100.00} was opened in 2022. By understanding my right to privacy under the Fair Credit Report Act, I did not authorize these items listed. I demand these items be removed from my credit report. I understand the creditor bought debt without my wet signature for pennies on the dollar. I know that I am protected under 15 U.S.C Sec 1681i ( a )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
XXXX XXXX XX/XX/year> IQ DATA XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cease and Desist Notice Dear Sir/Madam, I am writing in response to your recent communication regarding the collection of an alleged debt. Please be advised that I have never conducted any business with your company, nor do I owe any debt to your organization. After thoroughly reviewing my records, I can find no valid transaction or agreement that would give rise to this claim. 

Therefore, I request that you immediately cease and desist all communication regarding this matter. As per the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop any further attempts to collect this alleged debt from me, including but not limited to phone calls, letters, or other forms of communication. 

Additionally, I require that you provide me with written validation of the debt you claim I owe, including the following information : The name of the creditor and any documentation of my obligation to them. 
A detailed explanation of the amount owed and the basis of this debt. 
Proof that you are authorized to collect on this debt. 

If you continue to contact me regarding this matter or fail to provide the requested validation, I will be forced to consider further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and your states attorney generals office. 

Please acknowledge receipt of this letter and confirm that all actions to collect this debt will be halted until proper validation is provided. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
In XX/XX/XXXX, I began repayment of my student loans. I received notification on XX/XX/XXXX that " We have reviewed your Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application ( PSLF form ) or Certification for Military Service and have counted the number of qualifying payments made during each period of qualifying employment. Please log in to your account at mohela.com to access this information. '' When I tried to log in to the website, I was redirected. I have not been able to access the certification. I tried to call Mohela and kept getting redirected and misinformation. I began making repayments. However, I do not know how many I was supposed to make. Mohela does not have this record available on their new website. My loans were consolidated. I have made payments. However, Mohela 's records show payment reversals for payment made. This include the most recent payment that I made in XX/XX/XXXX. I visited the website after being notified that my loans were in forbearance. To my surprise, I had a past due notification. I made a payment and then today see their records show payment reversal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency CAN NOT furnish an account without my written permission or instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
In XX/XX/XXXX, I found a company for a business phone line. I filled out the application and NEVER submitted the application. XXXX days later, I received a call from the company, asking if I was ready to get a phone number and start my service. I stated, but would let them know. I never called back. I have my bills on autopay and did not notice the charges being taken. In XXXX XXXX an amount of {$200.00} was withdrawn, along with {$69.00} x XXXX, totaling {$690.00}. I filed a dispute in XXXX with Navy FCU and received {$690.00} back into my account. I asked that the company be blocked from withdrawing from my account. Another amount totaling {$480.00} has been taken from my account in XX/XX/XXXX. I disputed the charges again. I was refunded the total of {$480.00}, again. As of today, XX/XX/XXXX, the amount totaling {$480.00} was withdrawn from my account again. I called to dispute the amount and asked to reopen the case. I resubmitted the information again. My account is currently overdrawn due to this fraud case that continues to re-occur. Based on 18 U.S. Code ss 1344, the bank shall be fined {$1000.00} per infraction. These fraudulent charges have hit my account a total of XXXX times since XX/XX/XXXX, on a continuous basis. This has caused a serious financial strain. {$1000.00} x XXXX {$20000.00}. I hesitate to close the account due to re-occurring bills and deposits assigned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TX

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. 


Account Name : XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> 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 explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Deposited a check XX/XX/XXXX XXXX that it might be a hold .I assumed thats normal .They dont want to get screwed over. 24 hours like normal. Once done the receipt said hold until the XXXX XXXX  day hold on Money.I need now. They say they have asked for the hold to be lifted .I call back they say it never happened. Reason for hold big amount of money? 
XXXX Is what the check was for they released half already but to wait till the XXXX is outrageous.Im trying to run a business.Every day they hold my funds from a cashier check. Im losing thousands of dollars because I cant buy a work vehicle. I offered to provide proof of cashier check being cashed/ back up the funds from a market account.Wont give me my money. A hold that long is outrageous and disgusting.Very disappointing with Truist if they dont at minimum shorten it by a few days .I will be closing all accounts including my business, since they are essentially robbing me of money every hour I go with out being able to purchase a work vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
Adverse Action to XXXX XXXX XXXX is Violating the Law as well 15 U.S.C 1681 ( n ) and 15 U.S.Code 1681 ( b ) in addition the Equal Credit Opportunity Act ( ECQA ) Violations : ** 15 USC 1691 ** Prohibits discrimination in any aspect of a credit transaction base on race, color, religion, national origin, sex, marital status, or age.

** 15 USC 1691d** Mandates creditors to provide a written notice of any adverse action taken regarding a credit application Related Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), illustrating implications of discrimination in credit transaction. 

Civil Rights Violations Under Color of Law : **42 USC 1983** : Allows individuals to sue for civil rights violations by government entities of agents acting under color of state 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