vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX XXXX {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$430.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$720.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX - XXXX - XX/XX/XXXX - {$14000.00} XXXX  - XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX - {$38000.00} XXXX  - XXXX - XX/XX/XXXX - {$4300.00} XXXX - XXXX - XX/XX/XXXX - {$5200.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXX - XX/XX/XXXX - {$17000.00} XXXX  - XXXX - XX/XX/XXXX - {$4100.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$3200.00} XXXX - XXXX XXXX XX/XX/XXXX - {$8700.00} XXXX - XXXX - XX/XX/XXXX XXXX {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$70.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-04-14 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-14 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I am disputing a collection account reported by Eastern Account System on behalf of XXXX XXXX. 

My XXXX account was closed between XXXXXXXX XXXX, and credits were applied to the balance at that time. I was given XXXX reference number XXXX to confirm these adjustments. 

The charges that were sent to collections by XXXX occurred after the account had already been closed, and therefore should not be owed. I have documentation showing this. 

I formally disputed this with Eastern Account System. They responded stating they would cease all communication and have sent the dispute back to XXXX. Despite this, the collection is still on my credit report and being reported as past due. 

I am requesting immediate removal of this inaccurate account from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-14 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: FL

Complaint narrative:
I have credit accounts with XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, all financed by XXXX. I filed a dispute on the XXXX XXXX account and XXXX retaliated by significantly lowering my credit limit on all of the account, although they were all in good standing. These actions tremendously affected my credit rating. For example, I had a {$7500.00} credit limit on the XXXX XXXX account, with a {$1000.00} balance. XXXX lowered my available credit to {$1100.00}! 

I disputed all of these adverse actions with Experian, and it simply responded by stating that XXXX denied my accusations, although I provided irrefutable evidence to the contrary.

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 2025-04-14 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 kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 non-monetary relief
Consumer complaint received 2025-04-14 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-04-14 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: AZ

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

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

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

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
Since last week XX/XX/year> I was receiving calls from MOHELA but they were leaving messages to call back, however have not been able to reach them. Each time I try to log into the portal or my child tries to log into theirs it states " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' My child and I have have tried to contact them and wait but it has been difficult. My child has spoke with them before to gain access but somehow was unable to access the past few months. Wait times are at a peak and there is no way to message them without logging in but we can not do so until we regain access into our accounts. We get to the point where I wait for an email with my username but no email has been sent. They have only sent me a temporary password which I do not need until I get access to my username.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-14 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: NJ

Complaint narrative:
Earlier this year I looked at a copy of my consumer report and I've noticed that Experian is reporting a XXXX. I am requesting that Experian provide to me who gave them information on this XXXX  and did they receive authorization from the courts to report this information? I am aware that it is unlawful to obtain and share my personal information without the proper consent pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. I have the right of privacy in which I believe was violated. You can not report this information without the proper authorization from the courts. I understand that you must be compliant to the rules and regulations set in place and ensure that you're avoiding violations. Within this complaint I am asking Experian to provide me with their source for obtaining the information on my bankruptcy and written authorization from the courts given to Experian. Included in my complaint is a copy of my dispute letter to Experian.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX when trying to unfreeze my Experian credit report I was unable to login and the website said my credentials were incorrect. I tried to reset my credentials and the information was sent to an email address that is not associated with me. The email address format also made it clear that this was a fraudulent address, and I was able to determine from this and the fact that my pin had also been changed that my Experian account itself had been compromised. 

On XX/XX/XXXX I tried to call customer service but they only have live customer service M-F. Today XX/XX/XXXX, I have been on the phone intermittently on hold or transferred between the same XXXX departments or an automated hotline ( all of whom say the other can help me, or hang up on me ) for the past XXXX hours with no resolution. Meanwhile my Experian account is compromised and open to access by other individuals, and I have no control over my account. Multiple Experian agents have hung up on me and no one has taken any step to resolve my concern, besides forwarding me to a different department. I have spoken to the membership department, disputes, fraud, and " log in issues. '' When I get reconnected to the membership department they have been trying to convince me to upgrade my account and have not addressed my concerns.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing an inaccurate late payment reported by [ XXXX XXXX XXXX ] to [ Experian Information Solutions Inc. ] on my [ Credit Card ] account [ XXXX ] for the date [ XX/XX/XXXX ]. This reporting is incorrect and has negatively impacted my credit score.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

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 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Subject : Urgent Complaint Regarding Improper Double Reporting and Collection of Account Without Issuance of XXXX Complaint : I am filing an urgent complaint regarding the continued collection and reporting of a consumer debt account that originated with Ally, was transferred to XXXX, and is now being pursued by Portfolio Recovery Associates ( PRA ). This account appears to have been double-marked on my credit reports, with one entry listed as a charge-off from XXXX ( for {$1500.00} ), and another entry listed as a collection account where XXXX  is noted as the originator, later purchased by PRA.

This situation raises serious concerns : Double Reporting : It appears the same debt may be reported twice once as a charged-off account and once as a collection account, effectively creating duplicate negative marks for the same debt. This results in inaccurate and damaging reporting that can severely impact my credit score and financial opportunities.

Lack of 1099-C : Despite this debt being reported as either charged-off or in collections, I have never received a 1099-C from the original creditor, Ally, or any other party involved in this transaction. This raises significant questions about whether the debt was legally forgiven, transferred, or sold without proper tax or legal documentation. 

Legal and Tax Concerns : If the debt was sold, and no XXXX was issued, it is unclear whether the original creditor ( XXXX  ) or any subsequent party involved received financial benefit from the transaction ( e.g., tax write-offs or proceeds from sale ). This could be considered " double-dipping '', where the creditor benefits financially but continues to pursue the debt. 

Additionally, on at least XXXX credit reporting platform ( XXXX via XXXX XXXX, the account is showing a negative balance of - {$1500.00} which makes no sense and raises serious concerns about the accuracy and validity of the information being reported. A negative balance would typically indicate a credit or refund, not an amount owed, which directly contradicts its collection status. 

I am requesting clarification from all parties involved, and that they cease double reporting this debt and provide evidence of proper documentation ( such as a 1099-C or proof of sale ) for all actions taken. 

Thank you for your immediate attention to this critical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>

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 2025-04-14 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:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MN

Complaint narrative:
{$2000.00} showed as charged off never presented a 1099 c which the company used on business tax which is fraud section 15 us code 1681 ( c ) please remove also this debt is more than a XXXX XXXX XXXX company falsely updated to stay on my credit report please validate original debt please remove from all XXXX  Crecit reports

Company response to consumer: Closed with explanation