vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: AL

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-21 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Charge-Off Removal from Credit Report Dear Sir/Madam, I am writing to request the removal of a charge-off that is currently listed on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX I acknowledge that this account was charged off due to non-payment, but I would like to provide context and ask for the charge-off to be reconsidered or removed based on the following : 1. Due to a series of unforeseen personal financial difficulties, I fell behind on my obligations. I am now working hard to get back on track and resolve outstanding debts.

2. I am seeking assistance from a certified credit counseling agency to help me manage my debts and improve my financial habits. 
Given that I have or plan to resolve this matter through ( payment, settlement, etc. ), I kindly ask you review and reconsideration of this entry on my credit report. I understand that the charge-off is a serious negative mark, and Im committed to improving my credit standing.

Please let me know what further information or documentation is required to facilitate the removal or adjustment of this charge-off.

Thank you for your time and attention to this matter. I look forward to your prompt response 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 non-monetary relief
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Charge-Off Removal from Credit Report Dear Sir/Madam, I am writing to request the removal of a charge-off that is currently listed on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX I acknowledge that this account was charged off due to non-payment, but I would like to provide context and ask for the charge-off to be reconsidered or removed based on the following : 1. Due to a series of unforeseen personal financial difficulties, I fell behind on my obligations. I am now working hard to get back on track and resolve outstanding debts.

2. I am seeking assistance from a certified credit counseling agency to help me manage my debts and improve my financial habits. 
Given that I have or plan to resolve this matter through ( payment, settlement, etc. ), I kindly ask you review and reconsideration of this entry on my credit report. I understand that the charge-off is a serious negative mark, and Im committed to improving my credit standing.

Please let me know what further information or documentation is required to facilitate the removal or adjustment of this charge-off.

Thank you for your time and attention to this matter. I look forward to your prompt response Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
There is a collections account placed on my credit report from EASTERN ACCOUNT SYSTEM. I do not have an account with EASTERN ACCOUNT SYSTEM or XXXX. This account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: UT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MD

Complaint narrative:
It is impossible to get any info regarding my loan discharge from mohela as they keep you waiting to speak with someone for over 5 hrs. Even after waiting all that time, they hang up the phone. They only give options for a call back on rare occasions. This has been ongoing for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: MI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-03-21 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:
In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX These accounts have violated my rights.

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as required by 15 U.S.C. 1681e ( b ).

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), regarding the treatment of inaccurate or unverifiable information : ( a ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Furthermore, according to 15 U.S.C. 1681s-2 ( a ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX These accounts have violated my rights.

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as required by 15 U.S.C. 1681e ( b ).

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), regarding the treatment of inaccurate or unverifiable information : ( a ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Furthermore, according to 15 U.S.C. 1681s-2 ( a ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MN

Complaint narrative:
Due to a security breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries appearing on my credit report without my authorization. These fraudulent entries, which I did not initiate, have negatively impacted my credit standing. Despite my repeated attempts to have these inaccuracies corrected, they remain unresolved, raising serious concerns about the protection of my personal data and the overall accuracy of my credit report. Additionally, I have noticed incorrect late payment remarks that I believe were reported in error. I request an immediate review and correction of these issues to ensure my credit report reflects only accurate and legitimate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: WY

Complaint narrative:
Subject : Deletion Request for Improper Credit Inquiry Under 15 U.S.C. 1681a ( 2 ) ( B ) and ( C ) Complaint : This is a formal request for the deletion of an unauthorized inquiry from my credit file.

Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Pursuant to 15 U.S.C. 1681a ( 2 ) ( B ) and ( C ), this inquiry does not qualify as a consumer report, as I am the third party who requested credit, and I did not authorize the use of my Social Security number or consumer file in this transaction. The banks involved misrepresented my identity by reporting the inquiry as though I were the consumer identified by SSN, when in fact I acted in my private capacity.

Because this was not a valid consumer report under federal law, and no permissible purpose existed for furnishing it under my SSN, this inquiry must be deleted.

Please investigate and confirm removal of this fraudulent and improperly attributed inquiry.

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 2025-03-21 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Shellpoint continues to report INACCURATE payment history! The response in the previous case # XXXX states my XX/XX/year> payment was received on XX/XX/XXXX per their records. Per my BANK STATEMENT, my XX/XX/year> payment was received on XX/XX/XXXX!!!!!!! The payment received on XX/XX/XXXX was for the month of XXXX! This is NON SENSE that I have to continue to go through this. I have shown payments made and you all come up with a very long dissertation about why my account status is what it is. I continue to provide you with BANK STATEMENTS and yet my credit bureau has NOT been corrected to reflect my bank statements. I have NOT paid more than 30 days past due. I never had a problem until Shellpoint took over my account. Since Shellpoint states they can't not find my payment history, I have once again attached MY BANK STATEMENTS!!!!!!!!!

REMOVE THE 30 day late on my CBR! It's not correct! I do not understand why I have been trying for months to get this corrected.

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 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
Dear CFPB Complaints Division, I am submitting a formal complaint against the U.S. Department of Education and my federal student loan servicer, XXXX, for multiple violations of federal consumer protection laws, including unfair and deceptive acts and practices ( UDAAP ), violations of the Truth in Lending Act ( TILA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Higher Education Act ( HEA ).

Summary of Violations : 1. Unfair and Deceptive Acts and Practices ( UDAAP ) 12 U.S.C. 5531, 5536 o I rehabilitated my student loans based on explicit promises that I would have access to the SAVE Plan or an Income-Driven Repayment ( IBR ) program after exiting default.

o The Department of Education eliminated the SAVE Plan and my loan servicer has refused to offer an IDR plan, leaving me with no viable repayment options.

o This constitutes a bait-and-switch tactic, where I was induced into loan rehabilitation under false pretenses, violating my rights under UDAAP prohibitions against unfair and deceptive financial practices.

2. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

o The Department of Education and my servicer failed to provide accurate and complete disclosures regarding repayment terms, which are required under TILA for borrowers making financial decisions.

o I was misled about my repayment options and the potential impact of rehabilitating my loans, violating TILAs transparency and disclosure requirements.

3. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

o My loan servicer engaged in deceptive and unfair collection practices by misrepresenting the repayment plans available to me upon loan rehabilitation.

o I was led to believe I could enroll in a lower monthly payment plan, only to be forced into a higher repayment plan after rehabilitation.

o This practice violates FDCPAs protections against misleading or deceptive debt collection tactics.

4. Higher Education Act ( HEA ) Violations 20 U.S.C. 1087e o The Higher Education Act guarantees borrower access to Income-Driven Repayment ( IDR ) plans, yet my servicer has failed to provide me with an available option after I exited default.

o The abrupt policy change regarding the SAVE Plan violated federal rules governing loan repayment rights, as I was denied a reasonable expectation of fair repayment terms.

5. Failure to Secure & Protect Borrower Information Unlawful Disclosure of Private Data o My private borrower data was shared with the Department of Government Efficiency ( DOGE ) without my consent.

o The Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) mandates the protection of sensitive borrower information, and this unauthorized data-sharing constitutes a breach of privacy rights.

Company response to consumer: Untimely response