vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request immediate deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which has exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$50.00} XXXXXXXX XXXX XXXXXXXX Balance {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} 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 2025-04-23 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Equifax, Transunion and Experian is not taking disputes serious. I have provided information to the XXXX bureaus about unauthorized inquires on my credit report. I have delivered every step each bureau told me to deliver and I still have these unauthorized inquires on my credit report. I tried doing the credit monitoring thing with Equifax but it still didnt work

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Equifax, Transunion and Experian is not taking disputes serious. I have provided information to the XXXX bureaus about unauthorized inquires on my credit report. I have delivered every step each bureau told me to deliver and I still have these unauthorized inquires on my credit report. I tried doing the credit monitoring thing with Equifax but it still didnt work

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting a {$3100.00} collection account from XXXX XXXX XXXX XXXX that does not belong to me. I have disputed this debt multiple times, and Equifax claimed they blocked it from my credit report. However, XXXX XXXX XXXX continues to verify this inaccurate debt, and Equifax keeps re-adding it. 

Despite my repeated disputes and calls, Equifax continues to allow this account to reappear, violating my rights under the Fair Credit Reporting Act ( FCRA ). I have never had any business with XXXX XXXX XXXX and have no knowledge of this debt. Equifax stated they blocked the information, yet it keeps returning, causing harm to my credit and stress to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TekCollect Inc.
State: TX

Complaint narrative:
Contract with signatures from both parties per contract law and validation of debt per fdcpa. NOT RANDOM DOCUMENTS.... that is FRAUD. Contract with signatures of the company requesting payment and my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote management to get the inquiry to delete the information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent your company a letter disputing account number XXXX with XXXX XXXX on XX/XX/year>. I received a response from you dated XX/XX/year>, where you stated that the item had been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within XXXX  days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. XXXX  XXXX XXXX XXXX reference 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
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against MOHELA for Improper Collection and Credit Reporting During Federal Pause Dear CFPB, I am writing to file a formal complaint against MOHELA regarding their handling of my federal student loan account, including attempts to collect payment during the federally mandated payment pause, improper credit reporting, and failure to provide notice of a loan servicer transfer. 

Despite the federal student loan forbearance in place at the timewhich clearly paused payments, interest, and collection activitiesMOHELA attempted to collect payment from me. This action was in direct conflict with the terms of the federal pause. Furthermore, my loan account has since been negatively reported to credit bureaus based on these improper collection attempts, causing harm to my credit standing. 

To make matters worse, my loan was transferred from a previous servicer to MOHELA without my knowledge or consent, and I did not receive any official notification of the transfer. As a result, I was left unaware of any changes in account status or payment expectations, further complicating the situation and increasing the potential for errors and misunderstandings. 

These actions by MOHELA appear to violate consumer protections and the terms of the federal student loan relief measures. I am requesting that the CFPB investigate this matter, ensure any inaccurate credit reporting is corrected, and hold MOHELA accountable for any non-compliant or deceptive practices. 

Please let me know what additional documentation or information you may require from me to move forward with this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against JEFFERSON CAPITAL SYSTEM regarding an account I have with them XXXX * * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$80.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX loan judgment from XXXX XXXX XXXX XXXX XXXX, currently being collected by Shermeta Law Group. These loans were issued while I was enrolled at XXXX XXXX XXXX, which has since been found to have engaged in widespread fraud and misrepresentation. 

I was misled about job placement, salary potential, and available programs. The school even changed my degree track without my consent. I was pressured into taking high-interest private loans ( up to 16 % ) and was not informed about the terms or consequences. I was the first in my family to attend college and didnt understand the full financial burden or how unusual this was. 

Before I filed for XXXX in XXXX, I was being asked to pay over XXXX XXXX in loan minimums, which was unmanageable. XXXX  was the only option anyone could offer to reduce the interest and settle. Even after filing, Ive had tax refunds garnished ( even while making payments ), and my credit has been negatively affected. I am still paying on a judgment totaling {$61000.00}, tied to this fraudulent education. 

The federal government has since XXXX my related federal student loans under XXXX XXXX ( XXXX # XXXX ). Yet XXXX still being forced to pay on the private loan tied to the same school and the same circumstances. The degree I received was in XXXX and turned out to be worthless there were no job opportunities, and Ive never worked in the field. 

I would be happy to provide additional documentation or totals if needed. As many can understand, this has been going on for XXXX years, and the figures Ive referenced do not even include what Ive already paid toward my federal loans over that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize the following addresses, please remove immediately. they are fraudulent and inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings
State: GA

Complaint narrative:
This is a formal complaint and demand for accountability and compensation for the harm caused by SafeRent, a rental screening company that has accessed, distributed, and reported my personal consumer information without my authorization, and in doing so has violated my rights under the Fair Credit Reporting Act ( FCRA ) and related federal statutes. 

SafeRent produced and distributed a consumer report about me that contained inaccurate and damaging information, which I never consented to share. As a direct result of this, I was denied housingmultiple timesand my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and I were subjected to emotional distress, hardship, and public humiliation. The company has since deleted the inaccuracies, implicitly acknowledging the errors. However, the damage had already been done. 

These violations were not harmless. They resulted in : Loss of access to safe and stable housing. 

Emotional distress and mental anguish. 

XXXX XXXX to my young children. 

Public embarrassment and a violation of my dignity. 

Time, energy, and emotional labor spent correcting SafeRents errors. 

SafeRent had no permissible purpose to access my report as required under 15 U.S.C. 1681b, and their inaccurate reporting violates 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reporting. Whether through willful misconduct or gross negligence, SafeRent has failed its legal and ethical duties.

What makes this even more egregious is that even after the inaccuracies were removed, I was denied housing again, this time due to a rental score still being reported by SafeRent. I have never consented to SafeRent scoring or profiling me in any way. I was not made aware of how this score was calculated, what factors were used, or whether it was still relying on previously removed or unverifiable data. 

This continued denial, based on a non-transparent and unauthorized score, shows a pattern of harm and a failure to ensure accuracy in consumer reporting, in clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681b Lack of permissible purpose to access my consumer report.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681g Failure to disclose full details of my file, including how scoring is determined. 

These violations are not technicalities. I am a human being and a father. My children and I have endured repeated housing denials, stress, and emotional sufferingwithout ever consenting to be scored, profiled, or judged by a private company like SafeRent.

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