vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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

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 2025-03-25 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**. 
According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education** . Recent federal action has eliminated or reassigned the Departments responsibilities, with the **Small Business Administration ( SBA ) ** now serving as the managing entity. 
This constitutes a **substantial and unilateral alteration of the agreed-upon terms**, 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, XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MO

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 2025-03-25 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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 disputedentries. 
Account Name : DPT TREASURY Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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 disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-03-25 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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 disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-25 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: CA

Complaint narrative:
While in the process of securing funding and obtaining a home loan, I discovered that an inaccurate collection account reported by XXXX XXXX XXXX was added to my credit reports with Experian, XXXX, and XXXX. This account is not mine, and I have no knowledge or contractual obligation with this company. Despite submitting formal disputes and providing evidence that the account was fraudulent and a result of identity theft, the credit bureaus failed to protect me as a consumer under the Fair Credit Reporting Act ( FCRA ). Their failure to conduct a proper investigation caused significant harm to my credit profile and delayed my ability to access critical funding opportunities. The false account was first noticed in XX/XX/year> and has since interfered with major financial milestones. 

Additionally, there are multiple unauthorized hard inquiries on my credit reports that I also reported as fraudulent in my FTC Identity Theft Report. I contacted Experian, XXXX, and XXXX directly to dispute these inquiries and was told the fraudulent inquiries would be removed within XXXX hours. It has now been almost a month, and the inquiries remain on my reports. This further demonstrates their failure to protect my rights as a consumer and has continued to damage my creditworthiness at a crucial time. I've had to send another letter on XX/XX/XXXX when I had sent a letter and called the bureaus in XXXX. I also disputed directly online with each bureau. I'm having to spend unnecessarily to send off all my mail certified.

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 2025-03-25 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: CA

Complaint narrative:
While in the process of securing funding and obtaining a home loan, I discovered that an inaccurate collection account reported by XXXX XXXX XXXX was added to my credit reports with Experian, XXXX, and XXXX. This account is not mine, and I have no knowledge or contractual obligation with this company. Despite submitting formal disputes and providing evidence that the account was fraudulent and a result of identity theft, the credit bureaus failed to protect me as a consumer under the Fair Credit Reporting Act ( FCRA ). Their failure to conduct a proper investigation caused significant harm to my credit profile and delayed my ability to access critical funding opportunities. The false account was first noticed in XX/XX/year> and has since interfered with major financial milestones. 

Additionally, there are multiple unauthorized hard inquiries on my credit reports that I also reported as fraudulent in my FTC Identity Theft Report. I contacted Experian, XXXX, and XXXX directly to dispute these inquiries and was told the fraudulent inquiries would be removed within XXXX hours. It has now been almost a month, and the inquiries remain on my reports. This further demonstrates their failure to protect my rights as a consumer and has continued to damage my creditworthiness at a crucial time. I've had to send another letter on XX/XX/XXXX when I had sent a letter and called the bureaus in XXXX. I also disputed directly online with each bureau. I'm having to spend unnecessarily to send off all my mail certified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I am formally disputing the validity of a collection account currently reported by CBE Group on my credit report. I recently reviewed my credit reports in preparation for purchasing a home and was shocked to discover this collection account. I previously had an account with XXXX XXXX ; however, I requested its cancellation and received confirmation via email that my request had been honored and that my balance was {$0.00}. Per XXXX XXXX 's instructions, I also returned all required equipment. Since that time, I have never received any calls, texts, or emails indicating that there was an outstanding balance on my account. This collection account is negatively impacting my credit and preventing me from securing a home loan. As I believe this collection has been erroneously reported, I am requesting that it be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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 disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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 disputedentries. 
Account Name : DPT TREASURY 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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NY

Complaint narrative:
I informed them that I am not aware of the debt they are trying to collect and I need documentary evident from them to show that I owe that money

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit reports and was shocked to find a collection account from an unknown collection company, for what is purported to be a XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. I have attached a screenshot of the collection from my reports which does not provide sufficient information for me to know who exactly is 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 explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
While in the process of securing funding and obtaining a home loan, I discovered that an inaccurate collection account reported by XXXX XXXX XXXX was added to my credit reports with Experian, XXXX, and XXXX. This account is not mine, and I have no knowledge or contractual obligation with this company. Despite submitting formal disputes and providing evidence that the account was fraudulent and a result of identity theft, the credit bureaus failed to protect me as a consumer under the Fair Credit Reporting Act ( FCRA ). Their failure to conduct a proper investigation caused significant harm to my credit profile and delayed my ability to access critical funding opportunities. The false account was first noticed in XX/XX/year> and has since interfered with major financial milestones. 

Additionally, there are multiple unauthorized hard inquiries on my credit reports that I also reported as fraudulent in my FTC Identity Theft Report. I contacted Experian, XXXX, and XXXX directly to dispute these inquiries and was told the fraudulent inquiries would be removed within XXXX hours. It has now been almost a month, and the inquiries remain on my reports. This further demonstrates their failure to protect my rights as a consumer and has continued to damage my creditworthiness at a crucial time. I've had to send another letter on XX/XX/XXXX when I had sent a letter and called the bureaus in XXXX. I also disputed directly online with each bureau. I'm having to spend unnecessarily to send off all my mail certified.

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 2025-03-25 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: IN

Complaint narrative:
I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at XXXX. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report.

Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: IN

Complaint narrative:
I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at XXXX. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report.

Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
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 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 XXXXXX/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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account XXXX XXXX XXXX reported as a repossession on XX/XX/year> : since then the account has repeatedly been updated as a repossession every month. This is an update in my payment history. The repossession should show for the month it occurred. This information falsey manipulates the statute of limitations. You failed to investigate this account properly after I asked for an investigation and a re-investigation. Your neglect has violated my consumer rights to have an accurate credit report. I am demanding a deletion of this account XXXX XXXX XXXX repossession.

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 2025-03-25 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation