vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-05 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: MO

Complaint narrative:
SST company has stated I owe a debt from a company that went out of business named XXXX. I have seen statements with new payments and amounts that were not the original terms of XXXX. They have not provided anything to verify the debt.

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

Complaint narrative:
I am disputing inaccurate information that Experian is reporting on my credit file concerning an unsecured loan account ( Account # : XXXX XXXX XXXX XXXX XXXX ). 

The following violations are present : Date Last Active ( DLA ) is inaccurate Experian reports the DLA as XX/XX/XXXX. 

My records confirm my last payment was on XX/XX/XXXX. No activity occurred after that date. 

This constitutes illegal re-aging under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ( a ) ( 5 ) ), which prohibits re-aging accounts to extend reporting periods. 

Payment history is being reported inaccurately Experian displays continuous CO ( charge-off ) status through XX/XX/XXXX, misrepresenting the delinquency timeline. 

This violates FCRA and XXXX  's Fair Credit Reporting Act ( XXXX Stat. 501.005 ), which prohibit reporting false or outdated derogatory information. 

I disputed this account directly with Experian, and they verified the inaccurate data instead of correcting it. This failure to perform a reasonable investigation violates FCRA 1681i and XXXX  law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX, unauthorized purchases were made on my Citi credit card totaling over {$4300.00}. 
The purchases were made at XXXX and XXXX without my knowledge or consent. 
I did not authorize any of these transactions and immediately reported them to Citi. 
Citi acknowledged the issue and applied temporary credits while the charges were under investigation. 
Transactions under investigation include : {$1200.00} on XX/XX/XXXX at XXXX {$1200.00} on XX/XX/XXXX at XXXX {$75.00} on XX/XX/XXXX at XXXX {$970.00} on XX/XX/XXXX at XXXX {$120.00} on XX/XX/XXXX at XXXX {$650.00} on XX/XX/XXXX at XXXX Citi issued security credits on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX reflecting the disputed amounts. 
I am seeking resolution, including permanent reversal of all unauthorized charges and confirmation of my accounts security.

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 monetary relief
Consumer complaint received 2025-05-05 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Follow-up for CFPB Complaint ID XXXX. I am submitting new evidence showing that TransUnion removed the XXXX XXXX  account from my credit report on XX/XX/2025, and then reinserted it as a new account on XX/XX/XXXX without sending the required XXXX written notice. This is a clear violation of FCRA Section 611 ( a ) ( 5 ) ( B ). Ive attached screenshots from my TransUnion XXXX XXXX report showing both the removal and the reinsertion, which is now being treated as a newly opened account with the original open date.

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

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$550.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX A ) # XXXX XX/XX/XXXX - Balance : {$700.00} UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian

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

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX EMPLOYER - XXXX XXXX XXXX XXXX - XXXX XXXX EMPLOYER - XXXX XXXX

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

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX EMPLOYER - XXXX XXXX XXXX XXXX - XXXX XXXX EMPLOYER - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Didn't provide services promised — 
Company: MOHELA
State: DC

Complaint narrative:
As of around XXXX, I've been receiving communication from Mohela as they became my student loan servicer. In XXXX, I began graduate school so my loans were deferred while I was in school. In XXXX of XXXX, my payments were set to begin again but as a result of a court issue regarding the XXXX plan which I was on prior to my deferment, my loans were places in forbearance until XXXX. The last communications I received from Mohela was in XXXX, saying there was a document for me to review. In the last few weeks, I've logged into my account a few times to ensure my loans were still in forbearance, as I've heard of Mohela making several errors in people 's accounts. On XX/XX/XXXX, I tried again to access my account only to be told that my loans no longer exist and that I don't have an account. However, my loans are still displayed on my credit report and on the Department XXXX XXXX XXXX website. I'm not pleased with my service and am worried they are mishandling my account and what I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: GA

Complaint narrative:
This company does not have a signed contract by me for {$1900.00} so they can not report to my credit that I have a balance Please have this removed from my report thanks XXXX XXXX HUNTER WARFIELD INC Last reported XXXX XXXX XXXX {$1900.00} Open balance HUNTER WARFIELD INC Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-05-05 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-05 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: AZ

Complaint narrative:
XXXXXXXX XXXX XXXX  is where I have my refinanced car loan. I had been set up on auto pay I have been trying to pay my past due car loan since XX/XX/XXXX. No one told me until XX/XX/XXXX that I can no longer use auto pay. the system did not allert me and there was no indication that it didnt go through, other than me checking my bank account after being very sick and hospitalized with the XXXX. On their end, they are telling me my bank says I have insufficient funds. This is innaccurate as I have also verified by my bank that this is not the case. I have proof I've had enough funds for auto pay as I set aside {$630.00} ( which is more than my monthly car payments ) in a seperate savings account. 

The following day I tried to pay with my bank account, and the system did not allow me ; For the following week, i called multiple times to get auto pay re instated as well as the ability to pay with my savings bank account. please note none of my XXXX XXXX XXXXXXXX ccounts worked for me to pay with. They said they would try to fix the issue and call me back. I said I would wait to hear from them, as I was still within XXXX days. This took XXXX weeks. I called over and over trying to get this fixed. 

Then on either XX/XX/XXXX or XX/XX/XXXX, I called again. a manager i spoke with said the only way to use my bank account is through fast pay. so i did. it said " successful. '' the manager i was with on the phone while doing this said this meant that that my payment went through and not to worry. 

on XX/XX/XXXX, I noticed no funds were taken out of my bank account. i called again. the same XXXX told me to try the fast pay again. it would not let me do it through my computer or phone, so he processed and HE told me that it went through. HE TOLD ME CONFIRMATION NUMBER - XXXX - THAT PAYMENT WENT THROUGH. ON XX/XX/XXXX, i was still within 30 days and would not have been reported. had ANYONE TOLD ME that this didnt work, or that my bank account was blocked, i would have used my debit card. i was told for weeks that XXXX would try to fix my bank not being able to be used, AND ALSO that my payment went through. these phone calls are all recorded. 

then on XXXX... i noticed still, no funds taken out of my bank account. i called XXXX. spoke with a very rude agent named XXXX would not let me explain anything. she told me that the only way to pay with my debit card. NO ONE HAD TOLD ME THIS PRIOR. She would not let me explain. Spoke to a manager who said he didnt know why NO ONE for a MONTH said the only way to pay is debit card. I took care of it that day as my funds were never an issue. 


I have asked for a transcript of the phone call - hasnt been sent yet. I have asked for loan department to rectify this, no response. 



It takes 30 days of being past due before a late payment is reported to the credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To whom this may concern I received a copy of my credit report and found the following account to have errors. By the provisions of the fair credit reporting act 15 U.S.C Sec 1681i ( a ) I demand this account be removed from my credit report. I have notified all three credit bureaus about the errors and havent received any changes updates or removal for the errors. Account:XXXX has the following errors reported such as incorrect repossession date and incorrect payment history. Repossession date has been reported as XX/XX/XXXX instead of XX/XX/XXXX and also my first delinquent date was on XX/XX/XXXX which makes the account XXXX years since first delinquent date. Charge off amount has reported incorrect to all three credit bureaus, also never received paperwork for a 1099c form for the charge off. I feel experian has violated my rights for a fair credit report. Please remove from account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company
State: TX

Complaint narrative:
I was contacted on XX/XX/XXXX by Credit Services Company ( XXXX  ) about a debt I owed related to a XX/XX/XXXX XXXX  done by another company ( XXXX XXXX ). I informed the third-party collection agency that I did not owe the debt to XXXX  because I had paid for the service at the time the procedure was completed. I officially notified XXXX at that time I disputed the debt and was not going to pay it without further proof I owed the debt. On XX/XX/XXXX I received an alert that my credit score had a change on it due to a negative credit reporting from XXXX submitted on XX/XX/XXXX. I contacted XXXX about this and they told me they received and noted my dispute during the XXXX phone call, but did not investigate my dispute and still reported my account as delinquent even knowing I was disputing the debt. I believe this to be done in violation of the FDCPA as a proper investigation was not completed regarding my dispute.

Company response to consumer: Untimely response