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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX XXXX  TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MS

Complaint narrative:
I applied for a consideration for income driven repayment back in XX/XX/year>. They have not processed the information nor have they reached out to me to update it. I tried calling but the wait time with no avail.

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: 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: TX

Complaint narrative:
Consumer Name : XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX XXXX XXXX XXXX business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
I am a service member and recently discovered an unauthorized and misrepresented hard inquiry on my XXXX credit report by XXXX XXXX by the name- Williams Rush XXXX XXXX XXXX XXXX XXXX XXXX XXXX The agency first contacted me by text message on XX/XX/year>. I did not receive any written collection notice at that time. Only later did I discover that the agency had sent a collection notice by email, but it was filtered into my junk/spam folder and I did not see it. I did not consent to electronic delivery of such notices, nor did I receive actual notice or proper validation of the debt before the agency took any collection action. Upon learning of the collection attempt, I promptly sent a written dispute to the agency within 30 days of their initial contact, as allowed under the Fair Debt Collection Practices Act. The agency proceeded to make a hard inquiry on my credit report before providing me with proper written verification of the debt, which is not permitted under the FDCPA. Additionally, the agency falsely represented the nature of the inquiry by coding it as an installment loan inquiry. I never applied for any loan with this company, and they are not a lender. This is a false and misleading statement on my credit report- due to this false hard inquiry, it dropped my score by XXXX points! 

Furthermore, I have verified that this collection agency is not registered as a consumer collection agency in the state of Florida, as required by Florida law ( Chapter XXXX, XXXX XXXX Florida Statutes ). They are therefore not legally authorized to collect debts or make credit inquiries in Florida. 
I request that the CFPB investigate this matter, require the removal of the unauthorized inquiry from my credit report, and ensure that the collection agency complies with all applicable federal and state laws. 

Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The inaccurate information related to the account listed below, which appears on my credit report. This account, originally owed by me, was purchased by a third-party debt collector or sold and the balance has not been updated correctly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLD THE ORIGINAL BUT MY BALANCE DOESNT REFLECT THE SOLD / ACCURATE AMOUNT DUE ON MY CREDIT REPORT - ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SOLD THE ORIGINAL BUT MY BALANCE DOESNT REFLECT THE SOLD / ACCURATE AMOUNT DUE ON MY CREDIT REPORT - ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX I am requesting that the inaccurate entry be deleted immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.The following issues have been identified with the reporting of this account : 1. Incorrect Account Status : The status of this account does not reflect the actual condition of the debt. 
2. Incorrect Amount : The amount reported is not accurate. The debt was settled for less than the original balance owed, and my credit report does not reflect this. 
3. Incomplete Information : The credit report does not include the necessary and accurate information regarding the payment made by the third-party debt collector, nor the accurate settlement amount. 

As per Section 1681i ( a ) of the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or outdated. Furthermore, Section 1681e ( b ) of the FCRA requires that consumer reporting agencies maintain " maximum possible accuracy '' when reporting information. The inaccurate reporting of this account violates the FCRA because it misrepresents the status and payment of the debt. 

Additionally, I would like to highlight that Section 1681s-2 ( b ) of the FCRA mandates that furnishers of information ( including debt collectors ) report accurate and complete information. The lack of correct reporting regarding the payment of the debt by the third-party debt collector constitutes a violation of this provision. 
Given that this information is incorrect, incomplete, and misleading, I respectfully request that this account entry be DELETED IMMEDIATELY. Please find attached copies of my credit report with the relevant discrepancies highlighted for your review.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

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

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
On XX/XX/year> I went to purchase a vehicle and send the money through Zelle. I made several attempts on my own by electronic sending and by calling over the phone into the bank to have assistance with having the money sent. While I was on the phone with Zelle they advised me to go into the branch and they could assist with processing the payment because it wouldn't go thru on my end. The teller inside was unsuccessful with getting the payment to send. We both were advised the payment would not send and the payment would be canceled. I left the bank unsatisfied. Hours later I checked my account to find out the payment did however go through. I immediately called the bank to find out they couldn't do nothing. I submitted multiple claims and was told they were denied. Please help me with this issue. Thank you!!!

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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-05-05 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a late payments reported on my credit report with XXXX XXXX XXXX account ending in XXXX. The payments in question are inaccurately marked as late for dates XX/XX/year>, XX/XX/year>, XX/XX/year>. 

I believe this is an error because I never received the bill due to a mailing issue. 

Please investigate this matter and request that XXXX XXXX  correct or remove the late payment entries from my credit report. I appreciate your assistance in resolving this issue promptly. 

Sincerely, 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

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: IN

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: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
XXXX XXXX and XXXX 2025 the company keeps saying the loan is denied and closed I originally asked them to close the loan I have had numerous issues with freedom mortgage they tried to purposely decrease the value of my home which I have plenty of equity in and keep transferring you from person to person and never resolve the 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 2025-05-05 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: SC

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: SC

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c,

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Credit acceptance has not provided a request to opt out in reporting to any third party such as 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing inaccurate reporting by XXXX XXXX XXXX XXXX XXXX. They are listing a collection account stating it was opened in XX/XX/XXXX with a balance of {$1300.00}. 
This account is a duplicate and misleading representation of a XXXXXXXX XXXX account that was closed in XX/XX/XXXX, as confirmed by XXXX own correspondence. I never reopened or authorized any new account, and I did not default on any such obligation in late XXXX. 
XXXX XXXX is reporting this as if it is a newly opened collection account, which is not only inaccurate but violates the Fair Credit Reporting Acts prohibition on re-aging or duplicating closed debts. 
I have attempted to dispute this directly with the credit bureaus and XXXX XXXX, but no corrections have been made. 
I respectfully request that this account be investigated and removed entirely from my credit file. This reporting is harming my ability to qualify for essential credit and housing. Supporting documents attached.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am disputing inaccurate reporting by XXXX XXXX XXXX XXXX XXXX. They are listing a collection account stating it was opened in XX/XX/XXXX with a balance of {$1300.00}. 
This account is a duplicate and misleading representation of a XXXXXXXX XXXX account that was closed in XX/XX/XXXX, as confirmed by XXXX own correspondence. I never reopened or authorized any new account, and I did not default on any such obligation in late XXXX. 
XXXX XXXX is reporting this as if it is a newly opened collection account, which is not only inaccurate but violates the Fair Credit Reporting Acts prohibition on re-aging or duplicating closed debts.

I have attempted to dispute this directly with the credit bureaus and XXXX XXXX, but no corrections have been made. 
I respectfully request that this account be investigated and removed entirely from my credit file. This reporting is harming my ability to qualify for essential credit and housing. Supporting documents attached.

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