vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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 am writing to dispute certain inaccurate information on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and remove incorrect data related to my name, address, and phone number from my credit file. These errors are negatively impacting my creditworthiness and I request immediate attention to correct these issues. 

Specifically, I am disputing the following inaccurate information : Incorrect Addresses : XXXX XXXX XXXX, XXXX ca XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX : XXXX XXXX Other Incorrect Information : In accordance with the FCRA, please ensure that this dispute is resolved within XXXX  days of receipt of this letter. Should you need any further documentation or clarification, please do not hesitate to contact me at the provided phone number or email address. 

If you are unable to correct this information, please provide a detailed explanation of your findings. Furthermore, if this issue is not resolved promptly, I will not hesitate to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), as well as file complaints with the relevant regulatory bodies, to ensure that my rights are fully protected. 

Thank you for your immediate attention to this matter.

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 2025-03-09 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: FL

Complaint narrative:
Subject : Request for Deletion of Inaccurate Account FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) I am writing to formally request the deletion of an account from my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has already been deleted by XXXX as inaccurate, and under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), this deletion should be reflected across all credit bureaus.

Legal Basis for My Request According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), if an account is found to be inaccurate and deleted by one credit bureau, the furnisher of the information is required to notify the other credit bureaus to which they reported the incorrect data. Since this account was deemed inaccurate and removed from my credit file by XXXX the same deletion should be applied to your records. 
Supporting Documents Enclosed To support my request, I have included : A copy of the deletion confirmation letter from XXXX A copy of my credit report highlighting the inaccurate account Requested Action I request that you : 1. Delete this account from my credit report immediately, in accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( D ).

2. Send me a written confirmation once the deletion is processed.

3. Provide me with an updated copy of my credit report reflecting this correction.

Deadline for Response Under the FCRA, you are required to investigate and respond within 30 days. Failure to remove this account may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for noncompliance.

Please confirm the deletion in writing and send me an updated copy of my credit report. If you require any further details, you may contact me at the information provided above. 
Sincerely,

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 2025-03-09 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: HI

Complaint narrative:
I am part of state of XXXX  XXXX XXXX XXXX XXXX ( XXXX  ), checks are from the XXXX  XXXX XXXX. Mohela is my student loan servicer. the university of XXXX  on XX/XX/year> sent Mohela payment of a bulk check amt of {$320000.00} and designated my payment of {$310000.00}. on XX/XX/year> Mohela only applied a payment of {$1100.00}. My current loan balance is {$2000.00}. This last payment from the XXXX  XXXX XXXX was supposed to pay off my loan in total. 

I have made multiple phone calls; taking up to XXXX hrs to speak to Mohela customer service reps and multiple " supervisors ''. I have filed multiple complaints on Mohela website. I have used XXXX to make these phone calls because I live in Hawaii and it takes up so much time to just speak to someone at Mohela. 

I have filed complaint on the XXXX XXXX XXXX website I have been trying to seek additional assistance from the XXXX  XXXX. Most recent email sent from this program XX/XX/year> : " If you are asking for additional help, then no. the fiscal department will not sign off on an additional {$2000.00} whilst the first is still unaccounted for ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: WV

Complaint narrative:
I hope you're doing well. I'm writing because theres an issue on my credit report that needs to be corrected as soon as possible. Theres some information on there that isnt mine, and its affecting my credit in ways it shouldnt be.

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 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
This company is reporting fraudulent information on my credit report, I have requested validation and never received.

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 2025-03-09 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: MA

Complaint narrative:
Dear CFPB, I am filing this formal complaint against Equifax regarding the inaccurate and improper reporting of a late payment on my credit profile for an account with XXXX XXXX XXXX ( Account Number : XXXX ). I am requesting that this late payment be immediately deleted or corrected to reflect " Paid As Agreed, Never Late '' due to the following violations : Failure to Provide Required Notice Under the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), a furnisher of information must notify a consumer before reporting negative information to a credit bureau XXXX I never received any written notice from XXXX XXXX XXXX before or after they reported the late payment in XX/XX/year>, making this reporting unlawful and subject to deletion. 
Inaccurate XXXX XXXX XXXX My payment history does not accurately reflect my account standing, and Equifax has failed to properly verify the accuracy of the reported late payment. 
Failure to Ensure Accuracy Under the FCRA Equifax, as a credit reporting agency, is responsible for maintaining accurate and verifiable credit records. The late payment reporting on this account is inaccurate, unverified, and does not comply with FCRA requirements. 
Consumer Rights Violation Due to the lack of notice and improper reporting, this account should either be corrected to " Paid As Agreed, Never Late '' or completely deleted from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
I am writing to dispute the inaccurate information that appears in my credit report concerning CELTIC installment account. After carefully reviewing my credit reports from all three major credit bureaus, I have identified specific inconsistencies or potential errors as follows : ( I have highlighted all inaccuracies below attached with report. ) **Timeline Discrepancies** Date Last Active : XXXX XXXX XXXXXXXX XXXX Experian XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the inaccurate information that appears in my credit report concerning XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX installment accounts. After carefully reviewing my credit reports from all three major credit bureaus, I have identified specific inconsistencies or potential errors as follows : ( I have highlighted all inaccuracies below attached with report. ) ** Payment Status vs. Payment History Mismatch** : The account numbers reported by Trans Union XXXX not match the account numbers reported by the other two bureaus. This discrepancy suggests a possible error in the recording of my account information.

**Opened Date vs. Term and Close Date** : The account dates vary slightly different across bureaus.

**Two-Year Payment History** : There are inaccuracies and inconsistencies in the late payment information when compared with the records from other bureaus.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau can not verify disputed information, it must either correct or remove that information from your credit report. 

The FCRA requires that all information given to credit bureaus be accurate and verifiable. Given the discrepancies listed above, I kindly request that an immediate investigation be conducted, and corrections be made to reflect accurate information on 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 2025-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Toyota Financial Services continues to refuse lawful payments made on the account, despite having received valid negotiable instruments in accordance with UCC Article 3, 31 U.S.C. 5103 ( Legal Tender ), and 18 U.S.C. 8 ( Obligations of the United States ). These instruments are valid forms of payment intended for discharge of the alleged debt, yet XXXX continues to deny them without legitimate grounds. 

I have lawfully rescinded the contract, endorsed it with a restrictive endorsement, and voided all terms, including revoking their security interest. Despite this, XXXX refuses to recognize the rescission and continues to wrongfully claim I am in default. They have also engaged in fraudulent practices by selling the original contract to Toyota Motor Credit Corporation without recourse, making them the debtor under the original transaction. 

Additionally, Toyota Financial Services representative acknowledged over the phone that payments sent to their Indenture Trustee, XXXX XXXX XXXX would take longer to process. However, a subsequent representative falsely claimed the payments were fraudulent, without citing any applicable law or statute to support their position when asked to do so. 

Their continuous refusal to accept lawful payments and their willful misrepresentation of the validity of my payments is tantamount to securities fraud and deceptive trade practices. Their insistence on only accepting XXXX dollars contradicts 31 U.S.C. 392, which states, All coins and currencies of the United States, regardless of when coined or issued, shall be legal tender for all debts, public and private. 

Furthermore, XXXX continues to negatively report to credit bureaus, severely impacting my ability to refinance my home and address other financial obligations. As a XXXX veteran with severe XXXX, this malicious conduct has caused undue emotional distress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I reported fraud on my credit report about XXXX XXXXXXXX XXXX it wasn't me they didn't not show me how it was verified to be me. I didn't not open that account. It needs to be deleted now. There is no wet signature proving it was me that created that account. 

XXXX had a data breach and I'm a victim of fraud TransUnion is being sued for not verifying account

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 2025-03-09 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
The following items do not belong to me and is a result of fraud that I did not authorize : 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 2025-03-09 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: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX i put a freeze on my credit report till XXXX XXXX. As part of The Fair Credit Reporting Act ( FCRA ) allows you to place a " security freeze '' ( also known as a credit freeze ) on your credit report, restricting access to it, which helps prevent identity theft and unauthorized credit applications. With that being said XXXX allowed the company 's below to access my report WITHOUT MY PERMISSION they are XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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 disputed an incorrect account on my Experian credit report multiple times because the original creditor confirmed it was reported in error. The creditor closed the case in my favor, acknowledging there was no proof to support the negative entry. Despite this, Experian refuses to remove the incorrect information and states it will remain until XXXX next year. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must delete unverifiable or incorrect information. Experian has not provided any documentation proving the accuracy of this account. I request immediate removal of this incorrect item as required by 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
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB Representatives, I am submitting a formal complaint against XXXX XXXX XXXX, as well as the credit reporting agencies XXXX and TransUnion, for violations of the Fair Credit Reporting Act ( FCRA ) regarding the handling of my closed account. 

Issue Details : My XXXX XXXXXXXX XXXX account was closed and charged off in XX/XX/year>. 
However, my credit report with XXXX and TransUnion continues to show that this account is being updated monthly as if it were a new delinquency. 
This practice, known as re-aging, is illegal under the FCRA because it artificially resets the delinquency date and unfairly extends its negative impact on my credit history.

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 2025-03-09 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am writing regarding an identity theft case that I reported to the FTC, as indicated in the attached document. A fraudulent bank account was opened in my name, and a credit card was issued without my authorization. The bank involved has already closed the account, but I have noticed that the credit card associated with it still appears on my credit re According to the Fair Credit Reporting Act ( FCRASection 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate information in my credit report. I kindly request that you initiate an investigation into this credit card and remove the related information from my report.

Additionally, under Section 605B ( 15 U.S.C. 1681c-2 ), since I have provided an official identity theft report to the FTC, Experian is obligated to block and remove any fraudulent information from my credit report. 

Please take the necessary steps to resolve this matter as soon as possible. I appreciate your prompt response in addressing 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 explanation
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2000.00} XX/XX/year> 15 U.S.C, 1681section 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 an 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 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 2025-03-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2000.00} XX/XX/year> 15 U.S.C, 1681section 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 an 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 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