vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I tried to contact this agency a bunch of times to get the written agreement and also a letter and a 1099c and didn't know I was able to dispute the debt they've contacted me even when I was in XXXX XXXX but was unable and once I've passed I made payments monthly but never received a letter to confirm my payments or agreement and was never informed I can dispute it. Also the fact that the amount I was owed was different from what I actually owe. I tried calling them back and when they finally answered they tried to either charge me more from some different account. Or just hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 2025-03-03 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: DISCOVER BANK
State: GA

Complaint narrative:
I am filing this formal complaint against Discover Bank for its continued negative reporting on my credit file despite my formal cease and desist request. I previously sent a cease and desist letter to Discover Bank, demanding that they stop reporting a specific account to the credit bureaus. Despite my request, Discover Bank continues to furnish negative information, which is causing undue harm to my credit profile. 

Discover Banks actions violate multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that furnishers of credit information ensure the accuracy, fairness, and integrity of reported data. Under 15 U.S.C. 1681s-2 ( a ), creditors are prohibited from reporting information if it is disputed or if continued reporting would result in unfair harm to the consumer. Additionally, under 15 U.S.C. 1681n and 1681o, willful or negligent noncompliance with the FCRA exposes Discover Bank to civil liability, including statutory damages, attorneys fees, and punitive damages.

Furthermore, this continued reporting constitutes an unfair or deceptive practice under the Federal Trade Commission Act ( 15 U.S.C. 45 ) and the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), which prohibit abusive financial practices. By disregarding my formal request and continuing to damage my credit standing, Discover Bank is engaging in conduct that is both predatory and unlawful.

I demand that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate Discover Banks ongoing violations and enforce the removal of this account from my credit reports with XXXX, XXXX, and XXXX. Discover Bank has failed to act in good faith, and its refusal to comply with my request demonstrates a blatant disregard for consumer protection laws. I request that the CFPB ensure Discover Bank ceases all negative reporting on this account and provides written confirmation of the same. 

Failure to act on this matter will result in my pursuit of further legal remedies, including a complaint to the Federal Trade Commission ( FTC ), my states Attorney Generals office, and potential litigation for damages caused by this unjust reporting. I appreciate your prompt attention to this matter and look forward to your immediate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year> I received a letter in my inbox on the USAA app saying theyre closing my account and it will take 60 days to process and Im responsible for any overdraft fees etc. the next day I was having a direct deposit from my work deposited into this account. I called several times for XXXX days and they said they could not tell me why they chose not to let me bank there and to dispute the deposit from my payroll and it will go back to them so I can re deposit it into my other account. On XX/XX/year> I received a letter in the app saying they will not be returning my deposit because my account is in credit only status and I can not withdrawal anything so their own advice I took they will not honor. I need my direct deposit returned to my payroll so I can have my paycheck. Everyone I have called they can not give me an answer why my account is closing and saying I can not have my money. Everyone at USAA has been completely unprofessional unresponsive and putting me on hold leaving me in the dark for a week now

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 2025-03-03 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
So my issue is that i bought a class for XXXX through a loan, when the class was sold to me I was told that I would be able to process a return but when I tried to process the return I got no help now I am obligated to pay or my credit will be ruined, the only reason I want to return is because I feel scammed because the class is not informational and regardless I am trying to return with in 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In review of my credit profile I seen that there was some hard inquiries that are not mine.

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 2025-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I needed to call MOHELA because I need to defer my loans. The website had nothing that applied to me and the income driven plan is halted. I called them to discuss the matter and find a resolution. So I called, and the suggested wait time was XXXX hours and XXXX minutes, I waited. Around hour XXXX on hold, I emailed my request as well. It has been XXXX hours and XXXX minutes. There is no way that the company needs over XXXX hours to get to a call, if they do, they need more workers. My repayments are time sensitive, so this needs to be more of a priority.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My XXXX  account on experian hasn't been updated for a balance I paid off XXXX months ago, in the range of {$2400.00}. It is still saying I have this balance and it is harming my credit score. I have tried to fix it with Experian, but they will not pick up the phone

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX  XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit Report.

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 2025-03-04 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: FL

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2500.00} XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$6500.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$530.00} XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$240.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$3500.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX Balance {$17000.00} **Inquiries** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: MI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Under 15 usc 1681S-2 and 1681c violation and it has to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-03 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: MA

Complaint narrative:
I have tried on several occasions to log into my new Mohela account. My loans were transferred from XXXX to Mohela a few months ago. I have tried on several occasions to login online to my account that I had set up originally, however, the online account states my account number and social security number do not match their records. I have tried my co-signers information as well and then too was given a message about how that information did not match their records. At this time there is no other way to pay for my loans because the call wait times have been over XXXX hours. I waited on the phone for over XXXX hours and then was disconnected. This is abuse of the borrower. Mohela should not be treating their borrowers like this.

Company response to consumer: Closed with explanation