vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: PA

Complaint narrative:
I am writing to formally dispute the inaccurate and potentially unlawful reporting by XXXX XXXX XXXX XXXX to TransUnion ( Account # : XXXX ) and XXXX ( Account # : XXXX ). 

XXXX XXXX XXXX XXXX has reported a charge-off to my credit reports, yet I have never received a 1099-C ( Cancellation of Debt ) notice as required by the IRS and federal law if the debt has been forgiven or cancelled. If the debt was not forgiven, then it must still be considered collectible, in which case the charge-off status is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ).

Violations and Grounds for Dispute : 1. FCRA 623 ( a ) ( 1 ) ( A ) : A furnisher of information shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

2. FCRA 623 ( a ) ( 2 ) : The creditor must correct and update information that is determined to be inaccurate or incomplete.

3. FCRA 623 ( b ) : After receiving notice of a dispute from a consumer reporting agency, the furnisher must investigate the disputed information and report the results to the credit bureau.

4. 15 U.S. Code 1681n and 1681o : Civil liability for willful or negligent noncompliance, including actual damages, attorneys fees, and statutory damages up to {$1000.00} per violation.

Requested Action : I am requesting that the CFPB initiate an investigation into this matter and compel XXXX XXXX XXXX XXXX to : Provide a copy of the 1099-C form, if one was issued.

Immediately correct or remove the charge-off reporting from TransUnion and XXXX, as it is either inaccurate or incomplete.

Cease reporting this account until the dispute is fully resolved.

If this issue is not resolved promptly, I will pursue legal action for statutory damages under FCRA and any applicable state laws.

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 2025-04-14 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-14 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have sent this company multiple certified letters explaining that I did not make the debt they are stating that I owe due to identity theft. I have asked them to provide me with any evidence bearing my signature showing that I have a legally binding contractual obligation to pay them the alleged amount and have not been provided with such information. This is a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute as verification. I am asking that these accounts be deleted and removed from my credit reports immediately. Also I am attaching a copy of my letter of incarceration to show that I was incarcerated when the accounts in question were opened. Here are the dates, article number, and tracking number of my certified letters they received. Thank you. 

Certified letter on XX/XX/XXXX Article # XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Certified letter on XX/XX/XXXX Article # XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
There are fraudulent items on my credit report that I did not authorize, did not benefit from, and have no connection to. I have already reported this matter to the Federal Trade Commission, yet these items remain unresolved on my report. This is completely unacceptable. The continued presence of these entries is a violation of my rights and must be addressed immediately. I demand their permanent removal without further delay.

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 2025-04-14 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:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MO

Complaint narrative:
Mohela is currently charging me interest on my student loans while I am in an interest-free forbearance. I have loans that have increased in amounts from {$13000.00} to {$16000.00}, {$8500.00} to {$10000.00}, {$9400.00} to {$13000.00}, {$6000.00} to {$8700.00}, and {$10000.00} to {$14000.00}, and {$13000.00} to {$17000.00}. There is a chance my other loans have also increased with interest, but Mohela is not allowing me to go back and look at history of loan amounts. The prior numbers I received through my XXXX, as my credit score went down XXXX points today. XXXX also states that over the past month, Mohela has been slowly raising my credit limit on my accounts. I have tried contacting Mohela multiple times, but wait times are over 8 hours. I work full time and can not wait on hold all day, and their website will not allow me to look back on history of loan amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NM

Complaint narrative:
I asked for validation letter and noticed there errors in the amounts reported. I disputed the errors with experian credit bureau and they will not update and remove the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 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 2025-04-14 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: FL

Complaint narrative:
Subject : Formal Dispute and Complaint Regarding Inaccurate and Unverified Accounts on My Credit Report Dear CFPB, I am writing to file a formal dispute and complaint regarding multiple negative and collection items currently being reported on my credit file. These items are being reported by debt collectors and/or original creditors that I believe are inaccurate, unverifiable, or in violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the CARES Act of 2020, signed into law by XXXX XXXX XXXX XXXX XXXX 

Accounts in Dispute Below are the accounts I am formally disputing due to lack of verification, inaccurate reporting, and failure to follow legal requirements : XXXX XXXX XXXX XXXXXXXX, XXXX. 

Account ending in XXXX Charged off, balance reported : {$470.00} No 1099-C issued, no signed agreement provided First Premier Bank Account XXXX XXXX XXXX & XXXX Charged off, balances : {$1000.00} and {$1000.00} respectively No documentation of original contract or authority to collect XXXXXXXX XXXX Account XXXX XXXX XXXX Charged off, balance : {$1100.00} No response to validation request XXXX XXXX Account XXXX XXXX XXXX Charged off, balance : {$2300.00} No proof of continued collection rights or signed agreement XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Charged off, balance : {$70.00} No proper documentation or validation received XXXX XXXX ( as seen on other reports ) Collection account ( s ) No clear documentation or chain of assignment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
Subject : Formal Dispute and Complaint Regarding Inaccurate and Unverified Accounts on My Credit Report Dear CFPB, I am writing to file a formal dispute and complaint regarding multiple negative and collection items currently being reported on my credit file. These items are being reported by debt collectors and/or original creditors that I believe are inaccurate, unverifiable, or in violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the CARES Act of 2020, signed into law by XXXX XXXX XXXX XXXX XXXX 

Accounts in Dispute Below are the accounts I am formally disputing due to lack of verification, inaccurate reporting, and failure to follow legal requirements : XXXX XXXX XXXX XXXXXXXX, XXXX. 

Account ending in XXXX Charged off, balance reported : {$470.00} No 1099-C issued, no signed agreement provided First Premier Bank Account XXXX XXXX XXXX & XXXX Charged off, balances : {$1000.00} and {$1000.00} respectively No documentation of original contract or authority to collect XXXXXXXX XXXX Account XXXX XXXX XXXX Charged off, balance : {$1100.00} No response to validation request XXXX XXXX Account XXXX XXXX XXXX Charged off, balance : {$2300.00} No proof of continued collection rights or signed agreement XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Charged off, balance : {$70.00} No proper documentation or validation received XXXX XXXX ( as seen on other reports ) Collection account ( s ) No clear documentation or chain of assignment

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 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
In XXXX, I submitted a complaint to XXXX. 

I was steered into long term forbearance and deferments. Ultimately I defaulted for a few years because I wasn't offered XXXX. I rehabilitated my loans and then was pushed into forbearance I've been paying on these loans in some capacity since XXXX. I've been unable to keep track of who has my loan and what's been done to my loans over the years because I've been shuffled from one company to the other ( XXXX, XXXX, XXXX, Aidvantage ). I have gotten little information regarding the one-time acount review. It has taken months to get contact back regarding my initial requests I have requested numerous updatse. 

XXXX XXXX XXXX added a message XX/XX/XXXX XXXX AM I am still awaiting a response and resolution to this request. It has been over 1 year since I submitted this request and have not received a response. Please review and respond with adjustments to my account specifically for the illegal and other predatory lending practices for which XXXX was found liable. I am expecting that a one-time account review is done and specific analysis is provide to me to support the adjustments that are made. I have yet to receive a response from XXXX of XXXX. This has been open since XXXX and still has not been resolved. 
XXXX XXXX XXXX added a message XX/XX/XXXX XXXX PM I am still awaiting a response and resolution to this request. It has been over 1 year since I submitted this request and have not received a response. Please review and respond with adjustments to my account specifically for the illegal and other predatory lending practices for which XXXX was found liable. I am expecting that a one-time account review is done and specific analysis is provide to me to support the adjustments that are made. 


It has been nearly 18 months with no resolution. Now I have discovered that my information was released in violation of FERPA. I am requesting a full discharge of my loans due to these violations and failure to provide a MPN, failure to respond to inquiries in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Bank of America and the unjust closure of my credit card accounts, despite my full cooperation and timely submission of required documentation. 

Bank of America sent me a letter requesting specific documents within 30 days to prevent account closure. I submitted all requested documents promptly and contacted their representatives to confirm. I was told that everything was in order, except for a missing signature on a tax document. I signed and resubmitted that document immediately. 

However, on XX/XX/2025, I noticed that my credit card accounts had been closed. When I called customer service, they stated that my documents were not received. I explained that I had submitted all documents on time and had been told everything was fine. Nevertheless, I was informed that my accounts were permanently closed and that nothing could be done.

I feel this is unfair and misleading, as I fulfilled all the requirements. The closure of my accounts may negatively affect my credit and financial situation through no fault of my own. 

I kindly request that the CFPB review this matter and assist in resolving this issue with Bank of America. 

Thank you for your time and support. 

Sincerely, 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 2025-04-14 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: IL

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 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 2025-04-14 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-04-14 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:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: LA

Complaint narrative:
DEPT/XXXX has improperly used my private personal information and have not protected the data from the transfer of securities. This breach of information is negatively impacting my personal financial reputation and should be updated in your information systems. 1 ) ( A ) " Breach of the security of the system '' means unauthorized acquisition of computerized or other electronic data or any equipment or device storing such data that compromises the security, confidentiality, or integrity of personal information maintained by the person or entity doing business on behalf of. Please update payment accounts on time

Company response to consumer: Closed with explanation