vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: PR

Complaint narrative:
Transunion LLC Consumer Dispute Center XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request Removal of Forgiven Student Loan Accounts Under XXXX Discharge : XXXX XXXX SS # XXXX To whom it may concern, I am writing to formally dispute the continued reporting of my XXXX loan accounts that were fully discharged under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discharge program administered by the U.S. Department of Education. The presence of these accounts on my credit report is inaccurate and must be removed in compliance with federal laws and regulations. 
The loans in question were discharged as of XX/XX/XXXX and are no longer legally enforceable debts. Under federal regulations, specifically : 34 C.F.R. 682.402 ( c ) ( 4 ) ( i ) & 34 C.F.R. 685.213 Once a borrowers student loans are discharged due to XXXX XXXX XXXX XXXXXXXX, they are considered paid in full and should not be reported as outstanding or delinquent.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Data furnishers ( i.e., loan servicers ) are prohibited from reporting inaccurate or misleading information to credit reporting agencies. Reporting a discharged debt as active or derogatory violates this statute. 
FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Credit reporting agencies must promptly delete or correct any information found to be inaccurate, incomplete, or unverifiable following a dispute.

In accordance with these laws, I formally request that you immediately remove these student loan accounts from my credit file. I have attached the following supporting documents for verification : 1. Official Discharge Letter from the U.S. Department of Education or my loan servicer confirming the XXXX XXXX XXXX XXXX XXXX XXXX ) discharge. 
2. Credit Report Copy with the disputed accounts highlighted.

Please conduct an investigation and update my credit file accordingly. Upon resolution, I request written confirmation of the deletion. If you fail to remove these accounts, it will be considered a violation of federal law, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for enforcement action. 
I expect a written response within the 30-day period mandated by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, 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
Consumer complaint received 2025-03-16 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. $ 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to have a rapid rescore on my credit report to reflect my current balances on my credit. The 3 other major credit bureaus do not give access or the ability to request credit rescore rapidly. Please help me thank you very much.

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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
Dear CFPB, I am submitting this request in hopes that you will review the security and compliance issues surrounding FSA charge cards. I never received my card, nor did I receive any correspondence, welcome email, or letter regarding its issuance. 

As you may know, the full available balance for the calendar year is accessible upfront, even before the funds have been contributed. Unfortunately, in my case, someone intercepted my card via USPS. When I requested proof of registered delivery, the issuing entity was unable to provide any verification. 

Additionally, a dental office allowed an individual to use the card despite the name not matching the patients records. This is an unacceptable practice, and companies handling charge card accounts should be held to the highest security and compliance standards to prevent such fraudulent activity. 

I urge the CFPB to investigate these lapses and ensure proper safeguards are in place to protect consumers.

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 2025-03-16 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-16 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request Removal of Forgiven Student Loan Accounts Under TPD Discharge : XXXX XXXX SS # XXXX To whom it may concern, I am writing to formally dispute the continued reporting of my student loan accounts that were fully discharged under the Total and Permanent Disability ( TPD ) Discharge program administered by the U.S. Department of Education. The presence of these accounts on my credit report is inaccurate and must be removed in compliance with federal laws and regulations. 
The loans in question were discharged as of XX/XX/XXXX and are no longer legally enforceable debts. Under federal regulations, specifically : 34 C.F.R. 682.402 ( c ) ( 4 ) ( i ) & 34 C.F.R. 685.213 Once a borrowers student loans are discharged due to total and permanent XXXX, they are considered paid in full and should not be reported as outstanding or delinquent. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Data furnishers ( i.e., loan servicers ) are prohibited from reporting inaccurate or misleading information to credit reporting agencies. Reporting a discharged debt as active or derogatory violates this statute. 
FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Credit reporting agencies must promptly delete or correct any information found to be inaccurate, incomplete, or unverifiable following a dispute. 
In accordance with these laws, I formally request that you immediately remove these student loan accounts from my credit file. I have attached the following supporting documents for verification : 1. Official Discharge Letter from the U.S. Department of Education or my loan servicer confirming the Total and Permanent Disability ( TPD ) discharge. 
2. Credit Report Copy with the disputed accounts highlighted. 

Please conduct an investigation and update my credit file accordingly. Upon resolution, I request written confirmation of the deletion. If you fail to remove these accounts, it will be considered a violation of federal law, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for enforcement action. 
I expect a written response within the 30-day period mandated by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request Removal of Forgiven Student Loan Accounts Under TPD Discharge : XXXX XXXX SS # XXXX To whom it may concern, I am writing to formally dispute the continued reporting of my student loan accounts that were fully discharged under the Total and Permanent Disability ( TPD ) Discharge program administered by the U.S. Department of Education. The presence of these accounts on my credit report is inaccurate and must be removed in compliance with federal laws and regulations. 
The loans in question were discharged as of XX/XX/XXXX and are no longer legally enforceable debts. Under federal regulations, specifically : 34 C.F.R. 682.402 ( c ) ( 4 ) ( i ) & 34 C.F.R. 685.213 Once a borrowers student loans are discharged due to total and permanent XXXX, they are considered paid in full and should not be reported as outstanding or delinquent. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Data furnishers ( i.e., loan servicers ) are prohibited from reporting inaccurate or misleading information to credit reporting agencies. Reporting a discharged debt as active or derogatory violates this statute. 
FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Credit reporting agencies must promptly delete or correct any information found to be inaccurate, incomplete, or unverifiable following a dispute. 
In accordance with these laws, I formally request that you immediately remove these student loan accounts from my credit file. I have attached the following supporting documents for verification : 1. Official Discharge Letter from the U.S. Department of Education or my loan servicer confirming the Total and Permanent Disability ( TPD ) discharge. 
2. Credit Report Copy with the disputed accounts highlighted. 

Please conduct an investigation and update my credit file accordingly. Upon resolution, I request written confirmation of the deletion. If you fail to remove these accounts, it will be considered a violation of federal law, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for enforcement action. 
I expect a written response within the 30-day period mandated by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, 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
Consumer complaint received 2025-03-16 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: Westlake Services, LLC
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer XXXX credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account allegedly opened at Westlake Financial Services on XX/XX/XXXX, under account number XXXX. This account appears on my consumer XXXX credit report as closed and charged off, with a reported charge-off balance of {$7200.00} and payment status listed as charge-off. I did not open, authorize, or initiate this account, and it is the result of identity theft and fraudulent use of my personal information. This fraudulent account has also resulted in unauthorized hard inquiries appearing on my consumer XXXX credit report that I did not initiate or authorize. These inquiries include XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I did not apply for credit with these entities, and these inquiries are a direct result of fraudulent activity. I have attached a copy of my consumer XXXX credit report, which shows the aforementioned fraudulent account and hard inquiries, along with a copy of my FTC Identity Theft Criminal Complaint ( Case # XXXX ) as proof that these items 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 2025-03-16 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: OH

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Tranunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.

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 2025-03-16 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'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX - XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-03-16 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: NY

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX - XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
1. Summary of the Problem I am filing this complaint against XXXX, XXXX, and XXXX for failing to comply with my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, Section 609 ( a ) ( 1 ) ( A ) requires credit reporting agencies to verify accounts through the physical verification of the original signed consumer contract upon my request. I sent a formal letter on XX/XX/year>, demanding removal or verification of a certain account on my credit report. Navy Federal Cr Union XXXX I followed up with a second letter, allowing time to delete those unverified accounts. To date, they have not provided proof of the original signed contract nor removed the disputed information. 2. Steps I Have Taken XX/XX/year> : Sent a written demand for physical verification of all disputed accounts, referencing my rights under the FCRA. Next, I sent a follow-up letter demanding deletion of unverified accounts and reminding them of their time to respond. I have not received reply from all 3 bureaus, nor have the disputed items been removed. 3. Applicable Law ( FCRA Violations ) Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) : Requires credit bureaus to provide physical verification of an original consumer contract with my signature if they intend to continue reporting an account. FCRA, Section 611 : Mandates the removal of any information that can not be verified within a reasonable period. 4. How This Affects Me These unverified items harm my creditworthiness and ability to obtain loans and other lines of credit. Because the bureaus have not complied with federal law to either verify or remove the disputed items, they continue to report potentially inaccurate or incomplete information on my credit file. 5. What I Want Immediate removal of all unverified and inaccurate accounts from my credit report. Any further relief, as deemed appropriate, including ensuring that the credit bureaus remove all related inquiries and notations that harm my credit standing. I trust the CFPB will review this complaint and take action to ensure the credit bureaus comply with the FCRA. Thank you for your assistance in this matter.

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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing to formally request the immediate removal of the collection account associated with [ Account Number ] from my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am asserting my rights as a consumer regarding the accuracy, fairness, and privacy of information contained in my credit file. 

According to the FCRA, any information reported to the credit bureaus must be 100 % accurate and verifiable. If you can not provide concrete evidence that this debt is valid, was properly assigned, and that you have followed all legal guidelines in reporting and collecting this debt, you must cease reporting it immediately. 

Additionally, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, collection agencies are required to ensure that any debts they report comply with all relevant federal regulations. If the account in question does not meet these standards or was reported in error, its continued reporting violates my rights and may be subject to legal action. 

I demand that you provide the following within 30 days : Valid proof that this debt is legitimate and enforceable. 

Documentation proving your legal authority to collect and report this debt. 

A record of all communications and transactions related to this account. 

If you can not furnish the requested documentation, I expect this account to be deleted from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ) immediately. Failure to comply with this request may result in a formal complaint filed with the CFPB, Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am also prepared to seek legal remedies under the FCRA and FDCPA. 

Please respond to this letter in writing, confirming your actions regarding my request. I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
HFD is the name of the company that took over after smile direct went bankrupt. there has also been several phone calls expressing what has happened and my situation and absolutely 0 help has been provided to me. And I still continue to get emails saying I have a balance remaining, that say it will be sent to collections which could potentially hurt my credit but I am a broke XXXX XXXX XXXX XXXX XXXX. I just really dont have the money to pay over {$1000.00} on something I never received! Its just really frustrating dealing with this when simply I was just a young adult trying to find a cheap way to fix my teeth, and unfortunately the company went bankrupt. And I never received my aligners Im hoping maybe someone can contact me and help me figure out my next steps. Dates that these occurred are all in the images attached. there were phone calls that were made those dates I dont have specifically. only the dates of all the emails that I have sent them.

Company response to consumer: Closed with explanation