vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX regarding an account I have with them XXXXXXXX XXXX XXXX XXXX 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 ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} 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 but to no avail.

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 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AR

Complaint narrative:
I am writing to formally complain about MOHELA ( XXXX  XXXX XXXX XXXX XXXX ) inadequate processing and delayed decisions for borrowers seeking to enroll in the income-driven repayment ( XXXX ) plan Saving on a Valuable Education ( XXXX ) program. I managed to submit my application before it was halted by lawsuits in XX/XX/year>, which has caused me to miss out on earning credit toward IDR forgiveness or Public Service Loan Forgiveness ( PSLF ) during the payment pause.

Many borrowers, including myself, relied on timely decisions to meet the necessary criteria for loan forgiveness, but MOHELA has consistently failed to provide prompt updates or resolutions. This not only exacerbates our financial burdens but also undermines the purpose of the PSLF program, which is meant to support those of us dedicated to public service. The lack of communication and expediency in handling our applications is frustrating and unacceptable, and it needs to be addressed immediately to ensure fairness and accountability for all affected borrowers. As the sole servicer for the PSLF program, MOHELAs servicing failures particularly harm public service workers. 

With MOHELA, I am unable to get the savings or forgiveness to which I am entitled nor can I trust the accuracy of MOHELAs statements of how much I have to pay. There was also a breach resulting compromise of my personal and financial information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
I am a victim of XXXX XXXX. I alerted the credit bureaus to this issue and filed a police report which was provided to them along with a detailed dispute letter. Unfortunately after initially removing the fraudulent items so items have returned to my credit report. I have attached a PDF document to this complaint that contains a new dispute letter along with a copy of my photo ID and the police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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 formally disputing information contained in my credit file as permitted under the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666, and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

1. XXXX Account Number : XXXX This account contains a reported late payment that I believe is inaccurate. Under 15 U.S. Code 1666, which governs the correction of billing errors on credit card accounts, I am requesting the removal of this late payment. It was an isolated incident and does not reflect my overall payment history. I respectfully request that you update the account status to " Paid as Agreed '' and remove the late payment from my credit report. 

2. XXXX Account Number : XXXX Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish credit reports under specific permissible purposes. I did not provide written consent for this account to be reported. If this account was added without my authorization, it may constitute a case of identity theft or an unauthorized furnishing of information. As a consumer, I am exercising my rights under the FCRA to request the immediate deletion of this account from my credit file due to a lack of permissible purpose. 

Please conduct a complete investigation of the items listed above. If you are unable to verify the accuracy or legitimacy of the information, it must be deleted from my credit report in compliance with the law. Additionally, please provide me with a written response detailing the outcome of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting a formal complaint regarding a late payment that continues to appear on my credit report for an account with XXXX XXXX XXXX ( Account No. : XXXX ). The late payment was reported in XX/XX/XXXX, which is now over three years old. Despite my consistent and improved payment behavior since that time, this negative mark continues to adversely affect my credit profile. 

I previously filed a dispute requesting the credit bureau or the data furnisher to investigate and remove the item due to its outdated nature and its inaccuracy in reflecting my current financial reliability. Unfortunately, my request was denied, and the item remains on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) : Furnishers and credit reporting agencies must report information that is accurate, fair, and not misleading ( 15 U.S.C. 1681e ( b ) ) ; Consumers have the right to dispute information they believe is incorrect or incomplete, and agencies must conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ) ; If the disputed item can not be verified or is found to be outdated or unfairly damaging, it must be promptly deleted ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 
Courts have further clarified these responsibilities. In XXXXXXXX XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the court held that credit information must not only be technically accurate but also not give a misleading impression. Likewise, in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized that credit reports must reflect an accurate and fair picture of a consumers creditworthiness. 

Given the age of this late payment and my strong payment history since then, I believe the continued reporting of this entry is disproportionately punitive and misrepresents my current financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting a formal complaint regarding a late payment that continues to appear on my credit report for an account with XXXX XXXX XXXX ( Account No. : XXXX ). The late payment was reported in XX/XX/XXXX, which is now over three years old. Despite my consistent and improved payment behavior since that time, this negative mark continues to adversely affect my credit profile. 

I previously filed a dispute requesting the credit bureau or the data furnisher to investigate and remove the item due to its outdated nature and its inaccuracy in reflecting my current financial reliability. Unfortunately, my request was denied, and the item remains on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) : Furnishers and credit reporting agencies must report information that is accurate, fair, and not misleading ( 15 U.S.C. 1681e ( b ) ) ; Consumers have the right to dispute information they believe is incorrect or incomplete, and agencies must conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ) ; If the disputed item can not be verified or is found to be outdated or unfairly damaging, it must be promptly deleted ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 
Courts have further clarified these responsibilities. In XXXXXXXX XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the court held that credit information must not only be technically accurate but also not give a misleading impression. Likewise, in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized that credit reports must reflect an accurate and fair picture of a consumers creditworthiness. 

Given the age of this late payment and my strong payment history since then, I believe the continued reporting of this entry is disproportionately punitive and misrepresents my current financial standing.

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 2025-05-06 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: NY

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The account in question was opened on XX/XX/XXXX, and reports an outstanding balance of {$16000.00} as of XX/XX/XXXX. The account has been flagged as a collection and is currently reflected on my credit reports with Experian, Equifax, and TransUnion. 

I filed a dispute regarding the account with the credit bureaus, and my complaint is based on the fact that the creditor, XXXX XXXX XXXX, has failed to provide adequate documentation verifying this debt. Instead, they have simply " matched '' data and used this method to substantiate the account without any proper validation. This is an apparent violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), which require that debt verification be thorough, transparent, and accurate. 

Discrepancies and XXXX with XXXX : Despite the fact that the account was disputed multiple times, including a formal dispute on XX/XX/XXXX, the creditor has failed to provide any tangible or verifiable evidence of the original debt or my responsibility for it. Instead, they have merely used the " matching '' of information ( such as name, address, and balance ) as a form of certified verificationa practice that is insufficient and non-compliant with federal laws. 

Furthermore, I believe this issue may be part of a broader systemic problem, where consumers like myself are being unfairly penalized for alleged debts with no valid documentation. This has resulted in negative reporting, including collection status, on my credit reports with Experian, Equifax, and TransUnion, causing substantial harm to my credit rating and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account in question was opened on XX/XX/XXXX, and reports an outstanding balance of {$16000.00} as of XX/XX/XXXX. The account has been flagged as a collection and is currently reflected on my credit reports with Experian, Equifax, and TransUnion. 

I filed a dispute regarding the account with the credit bureaus, and my complaint is based on the fact that the creditor, XXXX XXXX XXXX, has failed to provide adequate documentation verifying this debt. Instead, they have simply " matched '' data and used this method to substantiate the account without any proper validation. This is an apparent violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), which require that debt verification be thorough, transparent, and accurate. 

Discrepancies and XXXX with XXXX : Despite the fact that the account was disputed multiple times, including a formal dispute on XX/XX/XXXX, the creditor has failed to provide any tangible or verifiable evidence of the original debt or my responsibility for it. Instead, they have merely used the " matching '' of information ( such as name, address, and balance ) as a form of certified verificationa practice that is insufficient and non-compliant with federal laws. 

Furthermore, I believe this issue may be part of a broader systemic problem, where consumers like myself are being unfairly penalized for alleged debts with no valid documentation. This has resulted in negative reporting, including collection status, on my credit reports with Experian, Equifax, and TransUnion, causing substantial harm to my credit rating and financial standing.

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 2025-05-06 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: NY

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-06 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: NY

Complaint narrative:
b'Ive sent multiple written disputes to Experian, including certified letters with proof, yet Experian continues to report inaccurate, unverifiable, and outdated accounts. These include 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 I also submitted proof of a paid-off lease and rental judgment that shouldve been removed but still shows  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All of these are either past the 7-year reporting limit, unverifiable, or never validated by the debt collectors, which is a clear violation of FCRA 1681i(a), 1681c(a) and FDCPA 1692g(b). Theres no proof of contract or agreement, and Ive received no validation or proper response from Experian or the furnishers. These accounts must be deleted immediately or I will pursue legal remedies through CFPB and state agencies.'

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 2025-05-06 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: FL

Complaint narrative:
I am formally disputing information contained in my credit file as permitted under the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666, and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

XXXX. XXXX Account XXXX : XXXX This account contains a reported late payment that I believe is inaccurate. Under 15 U.S. Code 1666, which governs the correction of billing errors on credit card accounts, I am requesting the removal of this late payment. It was an isolated incident and does not reflect my overall payment history. I respectfully request that you update the account status to " Paid as Agreed '' and remove the late payment from my credit report. 

XXXX. XXXX  Account Number : XXXX Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish credit reports under specific permissible purposes. I did not provide written consent for this account to be reported. If this account was added without my authorization, it may constitute a case of identity theft or an unauthorized furnishing of information. As a consumer, I am exercising my rights under the FCRA to request the immediate deletion of this account from my credit file due to a lack of permissible purpose.

Please conduct a complete investigation of the items listed above. If you are unable to verify the accuracy or legitimacy of the information, it must be deleted from my credit report in compliance with the law. Additionally, please provide me with a written response detailing the outcome of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Against TransUnion, Equifax, and Experian for Violations of the Fair Credit Reporting Act ( FCRA ) and CDIA Metro 2 Guidelines Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the three nationwide credit reporting agenciesTransUnion, Equifax, and Experianfor persistent violations of the Fair Credit Reporting Act ( FCRA ), specifically under the following sections : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in reporting consumer information.

15 U.S.C. 1681s-2 Failure of furnishers to report accurate and complete information.

15 U.S.C. 1681i ( 5 ) Failure to delete or correct inaccurate or unverifiable information after dispute investigation.

15 U.S.C. 1681b Inquiries made without a permissible purpose.

Despite submitting formal disputes to each bureau, the following items continue to appear inaccurately on my reports, harming my creditworthiness and violating my rights as a consumer : Examples of Inaccurate Reporting 1. TransUnion Account : XXXX, XXXX ( # XXXX ) Open date and balance report inconsistencies.

Violates 1681e ( b ) and 1681s-2.

Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX No permissible purpose under 1681b.

2. Experian Account : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Incorrect Date Last Active entry. 

Violates 1681e ( b ).

Inquiry : XXXX XXXXXXXX XXXX  XX/XX/XXXX No permissible purpose. 

3. Equifax Account : XXXX XXXX Incorrect payment history and dates. 

Violates 1681e ( b ) and 1681s-2.

Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Lacks permissible purpose under 1681b. 

Personal Information Errors ( All Bureaus ) Outdated and inaccurate addresses, including : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Incorrect or inconsistent birth year ( reported only as XXXX in Experian ). 

These violations fall under 1681e ( b ) for not maintaining maximum accuracy.

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 2025-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am a victim of identity theft per FCRA 605b and FCRA 611 15 USC 1681 c-2 inaccurate information due to identity theft should be removed and blocked from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX posted collection to TRANSWORD SYSTEM Collection account. {$900.00} past due as of XXXXXXXX XXXX 

This is not my account and this is not my debt. It showed up on my credit report as a collection item. I contacted Transworld and they say it is my social security number on the account but that must be the mistake as I have never done any business with XXXX XXXX and have never been their customer.

Company response to consumer: Closed with explanation