vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Reporting XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 Dear TransUnion, I am writing to dispute the accuracy of the information being reported on my TransUnion credit file regarding the above-mentioned account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that all information in consumer reports be accurate, complete, and verifiable.

Specifically, I am disputing the following discrepancies that appear across all three major credit bureaus : The date the account was opened The current account status The date of last payment Duplicate or conflicting entries for the date opened These discrepancies call into question the validity and accuracy of the data being reported. 
Furthermore, the account involves a vehicle repossession by a third-party agent, which was carried out without my consent or authorization. I never approved the release of my personal information to any third-party repossession company, and this action violated my rights to privacy and due process. 
Accordingly, I request that TransUnion conduct a full reinvestigation of this account and furnish the following documentation : XXXX. A copy of the original signed loan agreement or contract XXXX. A complete payment history for the account XXXX. All documents related to the repossession, including : o Notice ( XXXX ) of default o Right-to-cure notifications o Repossession order o Identity of the third-party agent involved o Any record of my authorization for release of personal information If the information can not be verified with original documentation, I respectfully request that the account be corrected or removed from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
Enclosed are : A copy of my government-issued ID Proof of my current address A copy of my credit report with the account in question clearly highlighted Please respond within the legally required XXXX timeframe with the results of your reinvestigation. 

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 non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have cosigned a private student loan for a distant relative ( XXXX XXXX ) in XXXX with XXXXXXXX XXXX The loan was later sold to Discover Student Loans. 

The borrower has been making payments as much as she can after she has graduated. 

Somewhere around XXXX the loan fell off my credit report and was reported in good standing and paid off, so I assumed all is well and never looked back on it. 

With no notice I got an alert from my credit reporting companies that a loan has appeared on my account and later found in my junk email that Discover has sold the loan to XXXX XXXX XXXX XXXX  who was going to use XXXX XXXX as their loan processor/servicer. I pulled up my credit reports and to my shock it showed that we have been making payments to the loan for the past 24 months and it was in good standing. 

It took a while to reach out to my relative and have her pull down as much info as she can, she then told me she hasn't been making any payments since XXXX as she had to leave to XXXX as her family situation ( health issues ) has gone bad, she has continued to make payments from XXXX even when she had no job and no means of income as she knew it was her responsibility to pay back the loan. 

Upon downloading all the docs we could from Discover we found that Discover student loans made fraudulent transactions to the account by showing someone made a payment of {$52000.00} to the loan on XX/XX/XXXX to show it as current and good standing before they sold to XXXX XXXX. From XXXX they started reporting the account as past due and delinquent and I also started receiving daily phone calls, sometimes multiple times from XXXX XXXX XXXX who is the loan processor for XXXX XXXX I have written to XXXX XXXX many many times to get the real docs and they kept stalling and wanted me to send confidential information like SSN, DOB etc over plain email which I refused and sent them via XXXX. 

They finally sent the docs back to me in XXXX to show the promissory note signed to XXXX and the payment statements which confirm the large payment listed above, but they can not say who and why that payment was made. 

This is a classic example of re aging the debt and fraud reporting.

I have reached to the 3 credit bureaus to seek validity of debt and haven't got any useful info except that they verified with XXXX that it was valid, but they would not provide the same docs to me. 

I have also filed complaints via CFPB against the 3 credit bureaus ( XXXX XXXX XXXX  ) whose reference numbers are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
I rented a XXXX  XXXX XXXX from XXXX in XX/XX/XXXXXXXX  and purchased insurance coverage. I used the car responsibly and returned it on time with no visible damage. On XX/XX/XXXX, XXXX emailed me confirming that I was NOT responsible for any damages and officially closed the claim ( I have the email proof ). 

However, on XX/XX/XXXX, they reopened the claim without explanation and demanded {$3300.00}. Then on XX/XX/XXXXXXXX  nearly two months later they increased the amount to {$14000.00}, citing a repair supplement. 

This large increase, long after the rental period, shows a lack of proper and timely handling of the situation by XXXX. If the vehicle truly needed immediate repair, this delay should not have occurred, and it may have contributed to the damage. This suggests negligence on their part. 

I was never given a proper chance to review or dispute these charges. I requested documentation, including the mechanic 's report, damage timeline, and proof that the damage occurred during my rental none were provided. Instead, they sent my account to collections ( FCR ), despite my written dispute. 

This is unfair and potentially unlawful under the Fair Debt Collection Practices Act. I am not responsible for this amount, and XXXX initially agreed I was not at fault. I respectfully request CFPB assistance to close this matter and stop the collection process. 

Supporting documents are attached, including XXXX original clearance email, claim invoices, and repair supplement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
Account XXXX XXXX XXXXXXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account number XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-19 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Concora Credit used my saved bank account information to pay off 2 of my credit cards in full. I did NOT approve this. I called them immediately and informed them that not only did I not approve this, but I did not have enough money in my account to cover the {$1500.00} in payments they approved. They made no efforts to help me and said that it was too late to cancel this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
Account # XXXX I am unaware of this debt and did not have the opportunity to disputes the account. If you believe you sent the proper notification, please provide " Certified Mail '' with receipts displaying my signature. If not, please delete the accounts listed above from all of my reports as soon as possible from my report or I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL, XXXX XXXX XX/XX/year> To : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX RE : Dispute of Unverified Information- Account & Account Number This letter is to Formally dispute the following account listed on my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report.

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred.

Proof that I am legally obligated to repay this debt.

If the credit or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report.

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate.

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter.

The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. 

I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

All three bureaus are in violation of all Consumer Rights. Racial Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information.

I paid off over {$3500.00} in loans off and XXXX  dropped my score. 

I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXXXXXX XXXX XXXX : ACCOUNT 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 2025-05-19 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: LA

Complaint narrative:
XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. 

I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

All three bureaus are in violation of all Consumer Rights. Racial Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information.

I paid off over {$3500.00} in loans off and XXXX  dropped my score. 

I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT 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 2025-05-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. 

I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

All three bureaus are in violation of all Consumer Rights. Racial Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. 
I paid off over {$3500.00} in loans off and EQUIFAX dropped my score. 

I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-19 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: NV

Complaint narrative:
Hello, I am submitting this complaint concerning the fraudulent items found in Experian, Equifax, and TransUnion Credit Bureaus. I am requesting once again for the correction of these fraudulent items from my credit file. Please review the list of fraudulent items that I would like to be updated in my next update 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 2025-05-19 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: CT

Complaint narrative:
I have been trying to contact Mohela and have received no response. My student loan payments have increased without my knowledge and I understand the company is being sued for wrongful distribution of borrowers money. This concerns me greatly because I have made many principal payments and there is no way for me to view prior payments or to view exactly how much has been paid toward each loan. This is not right, especially since my loans were just transferred to Mohela from my previous loan servicer.

Company response to consumer: Closed with explanation