vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NV

Complaint narrative:
I received a letter from Department from XXXX on XX/XX/year> informing that the XXXX XXXX federal loans would be XXXX due to school misconduct. I reached out to Mohela to inform them of this information and they advised they saw the school on the list and all I needed to do is fill out the school misconduct form for discharge. I filled out the form and submitted while also attaching the letter from department of education stating the school that I attended was included in the school misconduct case. I waited a month while being place on forbearance for the to respond that non of the loans were approved for discharge. They did not provide an explanation why but told me to reach out to an attorney if I wanted to get assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX company is stating they are owners of the account. I have asked for proof of this claim, they have not responded to my request. They have reported to XXXX  that they have a right to collect or report on my account, which they do not have the right to XXXX  not responding to my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX company is stating they are owners of the account. I have asked for proof of this claim, they have not responded to my request. They have reported to XXXX  that they have a right to collect or report on my account, which they do not have the right to XXXX  not responding to my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made many attempts to fix this issue directly including reaching out via mail and they are violating my rights. I know that I am entitled to {$1000.00} for every violation that I have listen, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: AZ

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights.

The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act, the following accounts have breached my legally protected consumer privacy rights and Under 15 USC 1681, the accounts listed below have infringed my rights. Section 602A ofTitle 15 United States Code 1681. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also stipulates that a consumer reporting agency can not provide an account without my written authorization. 15 U.S.C 1681 c. ( a ) ( 5 ) Section states that no consumer reporting agency may create a consumer report that contains any of the following information.Any additional negative information, except records of convictions for offenses that occur more than seven years prior to the report. As per U.S.C. 1681 s-2 ( A ) ( a ), If an individual knows or has good reason to believe that any consumer reporting agency is receiving information on them, they are not permitted to provide such information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Goal Structured Solutions, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to dispute inaccurate and harmful information reported by XXXX XXXX  regarding an alleged debt of {$16000.00}. This claim is false and has caused significant and unjust damage to my credit profile. 

On or about XX/XX/year>, I was notified by XXXX XXXX of a balance they claimed I owed. I immediately took steps to investigate this claim, including : I requested debt validation and Disputed the entry with credit bureaus on XX/XX/year> Despite my efforts, the company failed to validate the debt to me and continued to report the false amount to the credit reporting agencies, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This erroneous report has significantly damaged my XXXX XXXX and impacted my financial standing. I am requesting the immediate removal or correction of this false information from my credit file across all bureaus. Please treat this letter as a formal dispute and a demand for resolution. I expect a written response within XXXX days of your receipt of this letter, as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX company is stating they are owners of the account. I have asked for proof of this claim, they have not responded to my request. They have reported to XXXX  that they have a right to collect or report on my account, which they do not have the right to XXXX  not responding to my complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: VA

Complaint narrative:
I am filing a complaint against Experian, Equifax, TransUnion, and the furnishers XXXX XXXX XXXX XXXX and XXXX XXXX  for violating multiple sections of the Fair Credit Reporting Act ( FCRA ), including Section 605B, Section 611, and Section 609.

I submitted a valid identity theft report, supported by documentation under FCRA 605B. As a result, fraudulent accounts were previously deleted from my credit file, including : XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were recently reinserted without written notice within the required 5 business days, violating FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). There was no proper explanation or supporting evidence provided, which is required under the law. This reinsertion appears to have been done without legal cause or procedural compliance.

In addition, I have issued a formal FCRA 609 request demanding full verification and disclosure of the sources and original documentation used to claim ownership of these accounts. To date, the credit bureaus and data furnishers have failed to provide contracts bearing my signature or any legal proof tying me to these accounts. FCRA 609 guarantees my right to receive this information, and failure to provide it constitutes non-compliance. 

I have not agreed in writing that the information was blocked in error, and I have not received any valid legal documentation proving that I knowingly obtained any goods, services, or money related to the disputed accounts. I believe this is a violation of my consumer rights. 

I am requesting that the Consumer Financial Protection Bureau immediately investigate these violations and compel the credit bureaus and furnishers to : Remove the reinserted accounts. 
Comply with FCRA 609 by providing proper verification and documentation. 
Cease any further reporting of fraudulent accounts. 
Correct their processes regarding handling of identity theft victims. 

I respectfully request swift enforcement action to protect my rights and credit integrity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: ID

Complaint narrative:
Im an XXXX XXXX military member who was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When trying to use Zelle over the last several months via my XXXX account the banking app does not let me access Zelle. When calling XXXX they said theres a restriction placed on my account by Zelle but would not tell me what it was and offered no recourse, simply saying I need to wait 6 months and then hope that the account is reinstated. This is unacceptable since this is a service I expect to use from XXXX. The same thing happened to my wife ( XXXX XXXX, XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit Reporting Agency continues to report unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
Transunion wont remove any of my unauthorized inquiries from dates XX/XX/year> - XX/XX/year>. According to the FCRA these unverified and unauthorized inquiries need to be deleted ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
On XX/XX/XXXX citizens bank charged me XXXX $ penalties in order to break open my XXXX and reopen open a new one. 
I also lost approximately XXXX $ in interest for the month of XXXX due to not receiving this letter. 
Reason for this is that I never received a letter notification of my account maturity date. 
Citizens bank did not provide a proof of sending the letter notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MD

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV FUNDING LLC has been told I do not owe them anything and specifically been told to cease & desist upon the first call and so many there after I have forgotten the total number of calls, but, as of today, XX/XX/XXXX there has been over 30 harassing call since on XX/XX/XXXX for the amount of {$5900.00}. they have illegally threatened to sue me over the phone or garish my wages and or ruin my credit rating for all of this time and lastly reported this false information to XXXX XXXX & XXXXas recent as XX/XX/XXXX. They have never provided any proof of this debt specifically owed to them by supposedly myself during this entire time or every time I've have interacted with one of their abusive collection agents by phone. Lastly, I'm tired of their abusive and I'm asking the CFPB to finally protect me and my credit as they have damaged both during their constant abusive threatening calls. 

ALSO, THIS DEBT WAS FOUND TO BE " ORDERED TO DISMISS '' BY THE XXXX COUNTY ILLINOIS COURTS AND XXXX FUNDING WAS TOLD BY THE JUDGE XXXX OF XXXX COUNTY ILLINOIS AND THEN FILED BY THE ATTORNEY OF LVNV FUNDING LLC, XXXX XXXX TO NO LONGER REPORT THIS AS MY DEBT AND OR PURSUE ANY AND ALL DEBT COLLECTION ACTIVATIES FROM THAT DATE ON XX/XX/XXXX AS ORDERED BY THE XXXX COUNTY COURT. LVNV FUNDING IS IN BREACH OF THIS AND I WILL COME AT THEM WITH EVERY LEGAL RIGHT i HAVE INCLUDING ASKING THE CFPB TO REMOVE ONCE AND FOR ALL THIS ARRONIOUS INFORMATION FROM MY CREDIT REPOTS THROUGH XXXX XXXX OR XXXX OR OTHERWISE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
Original charge off was over 7 years ago from original creditor. Collection agencies have been selling account to other collectors, claiming it's a new charge off account, extending the legal 7 year deletion. Credit repair company deleted the two accounts off of all 3 credit bureaus years ago. Collection agencies XXXX. XXXX XXXX and diversified adjustment claiming they are recent charge offs for attempts to collect from old accounts. I demand these accounts be removed from all 3 credit bureaus immediately and stop selling over XXXX XXXX XXXX charged off accounts to other agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation