vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX, XXXX, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 XXXX XXXX  has been added to the predatory schools that qualify for a Borrowers Defense Discharge. Also, XXXX XXXX  is a participant in the Sweet vs Cardona settlement which was approved XX/XX/year>. XXXX has been forgiven leaving a total of XXXX. My loan was also sold.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX, Equifax, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 XXXX XXXX  has been added to the predatory schools that qualify for a Borrowers Defense Discharge. Also, XXXX XXXX is a participant in the Sweet vs Cardona settlement which was approved XX/XX/year>. XXXX has been forgiven leaving a total of XXXX. My loan was also sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Between XXXX and XXXX, I discovered multiple fraudulent credit accounts and inquiries on my credit report that I did not open, authorize, or benefit from. These unauthorized actions have severely damaged my credit standing, even though I am not responsible for the debts in question. FRAUDULENT ACCOUNTS ( XXXX ) The following accounts appeared on my credit report without my consent : UNAUTHORIZED INQUIRIES The following companies accessed my credit without my consent : XXXX XXXX XXXX   Unauthorized hard inquiry - XX/XX/XXXX XXXX XXXX Unauthorized hard inquiry - XX/XX/XXXX I never opened or authorized these accounts, and there are no signed agreements, applications, or documentation linking me to them, I did not apply for credit with either company, and I did not give written or verbal permission to access my credit file. These are violations of FCRA 604 ( a ). 

ACTIONS I HAVE TAKEN 1. Filed an Identity Theft Affidavit with the FTC on XX/XX/XXXX XXXX. Sent formal dispute letters to TransUnion and all listed creditors/collectors 3. Requested validation and documentation from each debt collector per FDCPA 809 ( a ) 4. Demanded removal of unauthorized inquiries from XXXX XXXX and XXXX 5. Placed fraud alerts and began monitoring my credit 6. Prepared supporting documentation : ID, Social Security card, utility bill, signed letters to creditors. 

Despite these steps, the accounts and inquiries continue to appear on my credit file, damaging my score, limiting my access to credit, and exposing me to ongoing reputational and financial harm. 

I am now seeking full relief under : FCRA 611 ( right to dispute and deletion of unverifiable info ) FCRA 604 ( a ) ( unauthorized access to credit ) FDCPA 809 ( validation of debt ) FCRA XXXX  ( civil liability for willful or negligent violations )

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 2025-05-21 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: NC

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX RE : Disputed Debt Notification Request for Verification To Whom It May Concern, I am writing regarding a debt that has been reported to the credit reporting agencies under my name. I am unaware of this debt and did not receive any prior notification before it was reported. 

I did not have the opportunity to verify or dispute this alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), prior to it being reported. If you believe that you properly notified me regarding this debt, I am requesting that you provide a copy of the certified mail receipt and any documentation containing my signature acknowledging receipt of such notification. 

Until proper verification is provided, I request that you cease collection efforts and remove any negative reporting from my credit profile with all credit bureaus. This matter is being formally disputed. 

Please send all responses and documentation to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I attempted to dispute regarding the reporting of a charged-off account from BANK OF AMERICA with a balance of {$1300.00}. The reporting contains multiple inaccuracies, including a balance that has remained unchanged despite no activity since XX/XX/XXXX and charge-off reporting extending through XX/XX/XXXX. No updated documentation has been provided following the previous dispute. 
This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ), and 1681c ( a ) ( 4 ) ). I demand immediate deletion of this unverifiable and outdated tradeline.

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 2025-05-21 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX Account Dear Credit Bureau Representative, I am writing to formally dispute the reporting of late payments for the following account : - Creditor Name : XXXX XXXX XXXX Account Number ( partial ) : XXXX - Date Opened : XX/XX/XXXX - Reported Late Payments : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ) I believe these late payment entries are inaccurate and do not reflect my payment history correctly. 
According to my records, I made payments on time or communicated financial hardship. Please investigate this matter and remove the late payment notations from my credit file. 
I have attached copies of supporting documents, including proof of payments and account correspondence, to assist with your investigation. 
Please conduct a reinvestigation and provide me with the results in writing at your earliest convenience. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute/Clarification of Hard Inquiries on My Credit Report Dear Experian, I am reviewing my credit report and noticed hard inquiries that I do not recall authorizing. I request that you investigate and remove any unauthorized inquiries from my credit file. Specifically, I request review of any inquiries made without my consent or those older than XXXX years. 
Please verify the following : - The date and purpose of the inquiries- Whether authorization was given - The identity of the requesting entity If any inquiry is found to be unauthorized or outdated, I request its immediate removal from my credit report. 
Thank you for your time and attention to this matter. Please confirm the results of your investigation in writing. 
SincerelyXXXX 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 2025-05-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I checked my credit report and there is so many fraudulent information that does not belong to me, it is hurting my score very badly and I can not apply for any new credit cards or get a car loan and all of this is related to my identity fraud incident which you will see here in the attached documents. My credit was hurt and I need this to be fixed it's affecting my personal life very badly!

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 2025-05-22 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-22 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: NJ

Complaint narrative:
I demand the correction of this late payment entry, as it misrepresents my payment consistency. I have maintained a good payment track record, and this inaccurate report must be removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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 discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2025-05-22 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 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: CA

Complaint narrative:
This complaint concerns the continued reporting of several charge-off accounts by Equifax that are inaccurate, misleading, and potentially unverified in violation of the Fair Credit Reporting Act. My Equifax report reflects charge-off accounts from XXXX XXXX XXXX XXXX  with a balance of {$2300.00}, XXXX XXXX XXXXXX/XX/XXXX for {$700.00}, XXXX reported XX/XX/XXXX with XXXX {$0.00} balance, and an additional entry from XXXX XXXX as of XX/XX/XXXX also showing a {$0.00} balance. It is unacceptable for Equifax to list these accounts as charge-offs when they either show XXXX balances or remain improperly verified, misleading future lenders and harming my financial profile. 

Recent findings by the Consumer Financial Protection Bureau have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Despite this, Equifax continues to list accounts like XXXX and XXXXXXXX XXXX XXXX charged-off, even though they reflect {$0.00} balancesundermining the credibility of Equifaxs reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: KS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 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: KS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief