vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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.

Complaint narrative:
XXXX XXXX XXXX ( a ) ( XXXX ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX The following personal information is incorrect XXXX MO XXXX XXXX XXXX XXXX Fm XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. Employers : XXXX XXXX XXXX XXXX. Employers : XXXX & XXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. XXXXXXXX XXXX  Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report Please remove it from my credit report XXXX XXXX XXXX Section XXXX A. XXXX any consumer has the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without prior consumer written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX 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 XXXX years. XXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I was placed on administrative forbearance back in XXXX of XXXX like everyone else, because I was automatically switched to the SAVE plan. I reached XXXX months of qualifying employment in XXXX, and applied for a buyback then. I had put in a change to my plan immediately when the switch happened, and per MOHELA, was placed on a processing forbearance for XX/XX/24, XX/XX/24, and XX/XX/24. I uploaded a letter to XXXX to get credit for final months, it still has not been applied. I put in a reconsideration request for a buyback in XXXX, it still hasnt been processed. When the window to change to IBR opened I applied immediately to make the XXXX  months of payments, it did not process in XXXX days, at all actually, and I wasnt placed in a processing forbearance. When it opened back up for switching in XXXX, I applied again, it again didnt process, and again I wasnt placed in a processing forbearance. I have called MOHELA multiple times, and they tell me XXXX has to change the forebearance type. I call XXXX, and they tell me MOHELA has to change it. I have submitted more complaints through XXXX, buybacks, and nothing happens. I have had a XXXX year plan to be able to leave my low paying dead end nonprofit job in XXXX, and now am stuck with no end in sight. I am currently stuck at XXXX qualifying payments, if any XXXX of the months that are supposed to be in a processing forebearance can be corrected, I will be at XXXX qualifying payments, as I am waiting to leave my current role until I know that I have completed XXXX. This has been months and months of long waits and circular talks with staff at XXXX and MOHELA, please help correct my situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-25 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Nc, XXXX XX/XX/year> Jefferson Capital Systems LLC Subject : Request for Debt Validation Dear Jefferson Capital Systems, I am writing in response to a collection notice I received from your company, This letter serves as my formal request for validation of the debt you claim I owe. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. Please provide me with the following information : The amount of the debt. & The amount owed when debt was purchased/transferred? 
The name and address of the original creditor. 
Documentation showing how this debt was securitized, proving I have a legal obligation to pay this debt, including a copy of the original agreement or contract. 
Proof that you have legal authority to collect on this debt as per applicable laws governing securitized debts. 
A detailed breakdown of any interest, fees, or charges added since the original creditors last statement. 
Confirmation that this debt is within the statute of limitations and how that determination was made. 
If applicable, please provide details regarding your authority to collect this debt in my state, including your license number and issuing agency. 

Until I receive this information, all collection activities must cease as per FDCPA XXXX ( b ). This request is not an acknowledgment of any debt but rather an assertion of my rights under federal law. 
Thank you for your attention to this matter. I expect your response within XXXX  days from receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Subject : Formal Dispute Under XXXX XXXX Code XXXX Negligence in Non-Compliance Dear XXXX XXXXXXXX XXXX I am writing to dispute multiple erroneous accounts listed on my XXXX credit report that do not belong to me. I have previously disputed these inaccuracies, yet you failed to conduct a reasonable investigation, verify the accounts, or remove them as required under the Fair Credit Reporting Act ( FCRA ). Your failure to comply constitutes negligence in non-compliance under XXXX XXXX. XXXX, making you liable for damages. 

The following accounts are fraudulent or incorrect and must be removed XXXX XXXX XXXX Midland Credit XXXX XXXX ( Include additional accounts as necessary. ) Violations and Legal Liability Under the FCRA, XXXX is required to : XXXX. Conduct a thorough investigation within XXXX  days of receiving a dispute. 
XXXX. Verify the accuracy of reported accounts and delete unverifiable or incorrect information. 
XXXX. Ensure my credit report is fair and accurate, as reporting incorrect data can cause financial harm. 

Since you have failed to meet these legal obligations, I am holding XXXX accountable for negligent non-compliance and financial damages. 

Demand for Resolution I demand the immediate removal of these inaccurate accounts from my credit file. In addition, I request : XXXX. A detailed explanation of your investigation process. 
XXXX. A new copy of my updated credit report reflecting these corrections. 
XXXX. Compensation for damages caused by your negligence, including financial losses and emotional distress. 

Final Notice Before Legal Action If this matter is not resolved within XXXX  days of receipt of this letter, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
Pursue legal action for damages under XXXX XXXX. XXXX, seeking financial compensation. 

This letter serves as formal notice, and failure to comply will result in legal consequences. I expect a written response at the address provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
I have recently reviewed my credit report and noticed that accounts previously marked as closed are showing up again. I tried to dispute these accounts with the credit bureaus but was not successful. 

Under the Fair Credit Reporting Act, I believe that these accounts should not be reported again, as they have been settled and marked as closed. 

I kindly ask that you investigate this matter and ensure these accounts are removed from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
I have recently reviewed my credit report and noticed that accounts previously marked as closed are showing up again. I tried to dispute these accounts with the credit bureaus but was not successful. 

Under the Fair Credit Reporting Act, I believe that these accounts should not be reported again, as they have been settled and marked as closed. 

I kindly ask that you investigate this matter and ensure these accounts are removed from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-03-25 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: PA

Complaint narrative:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section XXXX ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies. 

Moreover, under Section XXXX ( a ) ( XXXX ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within XXXX days, as required under Section XXXX ( a ) ( XXXX ), further action will be pursued. 

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

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 2025-03-25 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-25 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-25 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: MO

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report in connection with the following account : Creditor Name : XXXX Account Number ( last six digits ) : XXXX Account Type : XXXX XXXX  Status Reported : Collection/Chargeoff Closure Date Listed : XX/XX/scrub>/2022 This tradeline is inaccurate and misleading. The account is not in collections, and it has not been charged off. This loan has been returned to the Minnesota XXXX XXXX program, and XXXX no longer services this debt. 

At no point was this loan placed in formal collection status or default. Reporting it as a collection/chargeoff is factually incorrect and damages the integrity of my consumer file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting the immediate investigation and correction of this inaccurate reporting. As part of your reinvestigation process, I expect this accounts status to be updated to reflect its current standing with MN XXXX XXXX or removed entirely from my report if XXXX no longer has legal authority or servicing rights over it. 

Please confirm removal or correction in writing. If this inaccurate reporting is not resolved promptly, I will pursue further legal remedies under FCRA 1681n and 1681o for negligent and/or willful noncompliance.

Thank you for your immediate attention to this matter.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
I demand the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the FCRA. Under Section 611 ( a ) ( 5 ) ( B ), if the disputed information is found to be inaccurate or unverifiable, it must be permanently removed. I expect nothing less than full compliance.

Under Section 609 ( e ), if identity theft is involved, I am entitled to supporting documentation from both the credit agencies and the furnishers. I expect you to provide this documentation immediately.

Section 623 ( a ) ( 2 ) clearly states that furnishers must promptly correct any inaccurate information. This hasnt happened, and I demand immediate action.

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 2025-03-25 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: FL

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