vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: AZ

Complaint narrative:
I am writing to formally dispute and request the removal of charge-offs listed on my credit report associated with account numbers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( NOT MINE PLEASE REMOVE ) XXXX XXXX  : XXXX XXXX XXXX XXXX ( how is it paid in full and charged off? REFUND ME ) XXXX XXXX XXXX I understand that these accounts were charged off ; however, Under 15 U.S.C . 1681 ( e ) ( b ) of the Fair Credit Reporting Act, information on a consumers credit report must be accurate and up to date. If this debt has already been written off as a loss and claimed on taxes, why is it still being reported on my credit file? ( i paid for first premier to be paid as agreed but they accepted my gift and wrote it off on their taxes and stil report derogatory on my report i need a refund ). A charge-off should be recorded only once, and continued reporting may be inaccurate.

Additionally, since it is a charge off a 1099-C Cancellation of Debt was issued for this account, & I should have received a copy. I never received one, which raises concerns about the legitimacy of this reporting. If the debt was canceled or forgiven, it should no longer be negatively affecting my credit report, and for tax purposes I need those documents.

I am requesting a pay-for-delete agreement or a permanent removal of this charge-off from my credit report with monetary relief for the damages for seriously harming my lively hood and chances to buy a home. I expect to get a response swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
The contract for my auto lease was XX/XX/2020. I cant remember the exact date, but I traded the vehicle in for another almost 3 years ago. When I traded the vehicle everything was paid off, the account said paid in full with a zero balance. That reflected on my credit as well. Then Ally financial sent a bill saying I owed XXXX dollars after everything was paid off. I called them to ask what this bill was for, my account said paid in full. They said my account was paid in full. I even accessed my online account to see if I could pay and there was no payment to be made. I havent received anything from Ally in years, and my credit report has shown the Ally financial account closed and paid in full and in good standing. Never missed a payment. Now all of sudden they are saying I owed XXXX dollars, and closed the account as a charge off and it dramatically effected my score. I havent heard from this company in years and still have no idea why they are saying I owed this when this whole time my credit report said paid in full now its a charge off. Years ago when I talked to Ally they never said what that XXXX dollars was for and was told my account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
When I was going to XXXX ( XXXX XXXX XXXX ) I DID take out a few loans but there are a ton of unauthorized loans in my name that I did not take out and I have requested to have the original contract sent to me and it has not been done. I know they used to let people take out loans via fax with just a copy of a ID card and I never did such a thing and I demand that they remove those loans from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
The violent the fair The Fair Debt Collection Practices Act ( FDCPA ). I have been called before XXXX, and the will call every hour for the morning well into late afternoon. After I requested to not be called as early or as much. I now receive calls at XXXX XXXX  then every 2-3 hours after that daily Mon-Sun. I receive calls everyday.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following inaccuracies should be investigated and corrected : 1. Incorrect Balance Reporting : The original lease balance was {$21000.00}, yet the current balance is being reported as {$44000.00}, which is an extreme and unjustified increase. This suggests either errors in balance calculations or an unfair addition of fees that should not apply to a lease agreement.

2. Improper Charge-Off for a Lease Account : Auto leases typically do not result in high charge-offs unless due to a repossession with excessive penalty fees. I request verification of how this balance was calculated and whether it adheres to federal credit reporting laws.

3. Inconsistent Payment History and Status Updates : The account was reported as a charge-off in XX/XX/XXXX, yet the balance and past due amount continue to be updated into XX/XX/XXXX, which contradicts standard charge-off reporting. A charged-off account should not have fluctuating balances over multiple years.

4. Incorrect Past Due Amount : The report states a past due amount of {$2300.00} as of XX/XX/XXXX, despite the account already being in charge-off status since XXXX. This is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this account be thoroughly investigated. If the creditor can not provide accurate and verifiable documentation of the reported balance and payment history, I demand that this account be removed from my credit report immediately. 

Please conduct an investigation and provide a written response regarding your findings within 30 days, as required by law. If supporting documentation can not be provided, I expect this account to be deleted entirely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
Dispute of Collection Account Account XXXX XXXXXXXX I am writing to formally dispute the validity and accuracy of the collection account listed under the account number XXXX, originally associated with XXXX XXXX XXXX XXXX and reflecting a balance of {$2200.00}. 

As of XX/XX/year>, your records show this balance remains unpaid, however, I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and a thorough review under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I request the following : XXXXProof that I am legally obligated to pay this debt. 

XXXXA copy of the original contract or agreement bearing my signature. 

XXXXA detailed accounting of the amount claimed, including how the balance of {$2200.00} was calculated. 

XXXXDocumentation showing that XXXX. XXXX, XXXX is authorized to collect on behalf of XXXX XXXX XXXX XXXX 

Until this information is provided, I request that this account be marked as disputed on any credit reports where it is listed. If you can not provide the requested documentation within the time frame prescribed by law, I request that this account be removed from all credit reporting agencies immediately. 

Please provide a written response to this letter and send all requested documentation to the mailing address listed above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
Dispute of Collection Account Account XXXX XXXXXXXX I am writing to formally dispute the validity and accuracy of the collection account listed under the account number XXXX, originally associated with XXXX XXXX XXXX XXXX and reflecting a balance of {$2200.00}. 

As of XX/XX/year>, your records show this balance remains unpaid, however, I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and a thorough review under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I request the following : XXXXProof that I am legally obligated to pay this debt. 

XXXXA copy of the original contract or agreement bearing my signature. 

XXXXA detailed accounting of the amount claimed, including how the balance of {$2200.00} was calculated. 

XXXXDocumentation showing that XXXX. XXXX, XXXX is authorized to collect on behalf of XXXX XXXX XXXX XXXX 

Until this information is provided, I request that this account be marked as disputed on any credit reports where it is listed. If you can not provide the requested documentation within the time frame prescribed by law, I request that this account be removed from all credit reporting agencies immediately. 

Please provide a written response to this letter and send all requested documentation to the mailing address listed above. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: WY

Complaint narrative:
I received yet another notification of collections on my credit report about a medical debt that is likely from a Wyoming XXXX XXXX claim from 2023. The collection agency needs to contact Wyoming XXXX XXXX and promptly remove this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
Formal Dispute of Federal Student Loan Obligation Due to Administrative Transfer To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of XXXX XXXX XXXX material alteration to the original contract XXXX XXXX. 

According to the terms outlined in my promissory note, my loan was issued and administered by the * * XXXX Department of Education XXXX XXXX. Recent federal action has eliminated or reassigned the XXXX responsibilities, with the XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX now serving as the managing entity. 

This constitutes XXXX XXXX XXXX  substantial and unilateral alteration of the agreed-upon terms XXXX XXXX, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure. 

I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency. Please respond in writing with your position and any available dispute resolution options. 

Sincerely, XXXX XXXX XXXX Several loan numbers. 
Social ending in XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-22 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: MI

Complaint narrative:
These accounts are infringing on my right to privacy granted to me by The Privacy Act of 1974 ( 5 U.S.C. 552a ) is a federal law that establishes a code of fair information practices for federal agencies, governing the collection, maintenance, use, and dissemination of information about individuals.

These accounts are in violation of The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of student education records, granting parents and eligible students the right to inspect and review these records, request corrections, and control the disclosure of personally identifiable information. I do not give these accounts permission to furnish information on my consumer report Student loans. 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX By 16 CFR 313.7 I opt out from these account reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MI

Complaint narrative:
These accounts are infringing on my right to privacy granted to me by The Privacy Act of 1974 ( 5 U.S.C. 552a ) is a federal law that establishes a code of fair information practices for federal agencies, governing the collection, maintenance, use, and dissemination of information about individuals.

These accounts are in violation of The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of student education records, granting parents and eligible students the right to inspect and review these records, request corrections, and control the disclosure of personally identifiable information. I do not give these accounts permission to furnish information on my consumer report Student loans. 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX By 16 CFR 313.7 I opt out from these account reporting on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was asked to give my info to receive 10 % off a purchase at XXXX Fl XXXX XXXX XXXX XXXX. The cashier spoke very little English and put false info on the account record. I supplied my current Fl drivers license with my correct address on it. I never received a copy fo the application, a credit card from XXXX Fl or an invoice for an account. Community Bank is calling me about a purchase from XX/XX/year> for either XXXX or XXXX plus {$180.00} late fees for a credit card that I never received never received a bill that they sent to a incorrect address. XXXX Fl and Community Bank refused to tell me the address. They are trying to force me to pay late fees for a credit card that I never received and they falsified the address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
Checked credit over the weekend and found out I had collection accounts associated with my social security number, but I have never owned a mobile device. I've been on my father 's account since I was XXXX and he is not with the company in question

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: NC

Complaint narrative:
I am submitting this formal complaint regarding TransUnion 's violations of the Fair Credit Reporting Act, specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided TransUnion with all necessary documents, including a valid identity theft affidavit FTC Report Number # XXXX proof of address, government-issued ID, and evidence linking me to a data breach. However, TransUnion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores TransUnion 's failure to uphold consumer protections under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
Please verify or remove immediately the following accounts : lvnding funding XXXX lvnding funding XXXX XXXX xxxxxxxxxxxxxxxx The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. these accounts were deleted from my XXXX and is being re inserted back on to my TransUnion as a closed account please do a proper re investigation before legal action be taken By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. And under 15usc1681i5 ( B ) once an account is deleted it can not go back on your credit report and a proper notice of 5 days before it's inserted the consumer should be notified or it's a violation Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MS

Complaint narrative:
File number XXXX, closed account on my credit I want it 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 2025-03-22 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: MI

Complaint narrative:
My personal information was impacted by the Equifax data breach which is in violation of 15 USC 1681. As a result I have been victim of identity theft and accounts have been open in my name using my information. I have contacted consumer reporting agencies in regards to this and they have failed to remove the items that do not belong to me which is illegal. Alo this account shows as a charge off whivh is income and income is not reported on consumer report.

This account is also reporting without address and phone number to contact them which is violation of the fair credit reporting act. I demand this is removed immediatly for a number of resonses. Account that do not belong to me is as follow, which is impacting me greatly and stopping me from getting credit extended : XXXX XXXX XXXX Balance {$7600.00}

Company response to consumer: Closed with non-monetary relief