vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
The issue stems from a traffic violation that supposedly occurred during XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXXXXXX sent me a letter stating that I had a violation in a school zone in XXXX. They sent me a letter stating that I owed money for this traffic violation. 
I called them and told them that the picture they have on the violation is not my vehicle. I had a XXXX XXXX XXXX. The picture shows a newer XXXX XXXX ( looks like the XXXX version ). The license plate is a New York license plate and I lived in Pennsylvania and had a PA license plate. The only thing the same is the numbers. Also my license plate was changed over in XXXX of XXXX because I gave my ex-boyfriend my car because I purchased an new one. 
They told me to not worry about this violation because many people got sent the wrong ones. I didn't worry about it, and now I have a debt collector trying to recover the debt. I also explained to them that this is not my car but nothing has been done about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: AZ

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, trans union actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
In regards to Zelle, I was denied a refund for a transaction that I was unaware of. I was informed that due to the way the funds were activated, it was impossible to track and recover. I felt neglected and unprotected ; my bank and Zelle failed to investigate it further. I was vulnerable to scams, and I didn't get enough assistance in the situation. I am writing to express my concerns regarding Zelle and my bank 's handling of a dispute I made in the past. In the future, there will be a better system to protect those who decide to put their trust in Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
I have fraudulent accounts on my credit report, that I reported to NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, yet they are not removing these fraudulent accounts. NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The followings are the fraudulent accounts : NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact, therefore exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Below are the fraudulent accounts for delete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: LA

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 explanation
Consumer complaint received 2025-02-11 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-02-11 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: MD

Complaint narrative:
I am writing to formally file a complaint against Equifax for failing to properly investigate and resolve inaccuracies in my credit report. My name is XXXX XXXX, and my date of birth is XX/XX/year>. The last XXXX digits of my Social Security XXXX are XXXX. 

Pursuant to 15 U.S. Code 1681i, under the Fair Credit Reporting Act ( FCRA ), I submitted a dispute to Equifax regarding numerous inaccurate items on my credit report. Despite my formal request, Equifax has failed to adequately investigate and correct these errors within the required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX  business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: NY

Complaint narrative:
I have sent letters to MOHELA and formally complained through this website, and I have always gotten the same response. They HAVE NOT provided any evidence that I owe this debt. 

Formal Request for Legal Validation of Debt Obligation Dear MOHELA Representative, Once again, I am demanding that you provide legitimate legal validation of my alleged obligation to pay this debt. Despite multiple requests, you have yet to provide a promissory note bearing my signature that shows I agreed to pay MOHELA directly. Your internal debt validation does not show that I owe anything to MOHELA. 

The so-called evidence you provided does not contain my signature, nor does it establish any contractual agreement between myself and MOHELA. It appears that your company impersonated me to obtain these records, which you have no legal right to. I did not authorize MOHELA to take over this debt, nor do I recognize your company as having any right to impose financial obligations upon me. 

Furthermore, the original creditor, charged off this debt, meaning my obligation to them was closed. Simply purchasing a charged-off debt does not create a new legal contract with me, and I have not agreedeither verbally or in writingto any such arrangement with MOHELA. 

I demand that you provide the following : A legally binding contract or promissory note with my signature explicitly agreeing to pay MOHELA. 
Documentation proving that MOHELA has the legal authority to enforce this debt against me. 
Until such documentation is provided, I do not acknowledge any obligation to MOHELA and will consider further action to dispute this matter legally if necessary. I will escalate my complaint if this matter persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, XXXX have no choice but to take legal action to protect my rights.

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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NC

Complaint narrative:
Student loan dispute My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel my student loan debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and has violated my rights.

Account Name : XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX Account Name : XXXX/XXXX  Account # : XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
On XX/XX/year> my identity was stolen. Whoever it was opened an online account with my information with XXXX When I found out about it, I called and was told I needed to file a police report to close the account. Since I had already done that, I sent them the letter they required with the police report number. They WILL NOT close the account. 
They opened the account without verifing it was me and now they won't close it. 
The police asked for video survelliance footage but since this is an online account they of course can't provide the method they used ( didn't use ) to verify it was actually me opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: SC

Complaint narrative:
****Experian has a collection on my account with XXXX XXXX XXXX XXXX creditor : XXXX XXXX  with Account number XXXX. I have sent them XXXX letters since XXXX of 2024, I also advised them the signature on this account is not my signature it is a digital signature. This is a violation of my consumer rights and have asked them several times to remove these items. 
*XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX **** Equifax has a collection on my account with XXXX XXXX XXXX /Original creditor : XXXXXXXX XXXX XXXX Account number XXXX. I have sent them XXXX letters since XXXX of 2024, I also advised them the signature on this account is not my signature it is a digital signature. This is a violation of my consumer rights and have asked them several times to remove these items. Also they have XXXX XXXX XXXX/Original creditor : * XXXX XXXXXXXX XXXX  XXXX XXXX on my account and it was removed but was placed back on their. This account number is XXXX ****Transunion has a collection on my account with XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX Account number XXXX. I have sent them XXXX letters since XXXX of 2024, I also advised them the signature on this account is not my signature it is a digital signature. This is a violation of my consumer rights and have asked them several times to remove these items. Also on this report is *XXXX Original creditor : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX *XXXX Original creditor : XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: SC

Complaint narrative:
****Experian has a collection on my account with XXXX XXXX XXXX XXXX creditor : XXXX XXXX  with Account number XXXX. I have sent them XXXX letters since XXXX of 2024, I also advised them the signature on this account is not my signature it is a digital signature. This is a violation of my consumer rights and have asked them several times to remove these items. 
*XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX **** Equifax has a collection on my account with XXXX XXXX XXXX /Original creditor : XXXXXXXX XXXX XXXX Account number XXXX. I have sent them XXXX letters since XXXX of 2024, I also advised them the signature on this account is not my signature it is a digital signature. This is a violation of my consumer rights and have asked them several times to remove these items. Also they have XXXX XXXX XXXX/Original creditor : * XXXX XXXXXXXX XXXX  XXXX XXXX on my account and it was removed but was placed back on their. This account number is XXXX ****Transunion has a collection on my account with XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX Account number XXXX. I have sent them XXXX letters since XXXX of 2024, I also advised them the signature on this account is not my signature it is a digital signature. This is a violation of my consumer rights and have asked them several times to remove these items. Also on this report is *XXXX Original creditor : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX *XXXX Original creditor : 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 2025-02-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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 explanation