vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need my personal information to be corrected and updated immediately. I have included supporting documents to assist with this process, and I urge you to take action on this request as quickly as possible.

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 2025-05-07 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 recently reviewed my credit report and found a clear and unacceptable error. An account is showing two late payments that were in fact paid on time. This misreporting is a direct violation of your obligation to report only accurate and verifiable information. 

Under the Fair Credit Reporting Act, you are legally required to ensure that all reported data is 100 % accurate. This account has never been late, and I demand this error be addressed without delay. 

Ive attached a copy of my report showing the disputed entries dated : XX/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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I submitted a formal debt validation request to LVNV Funding LLC on XX/XX/year>, in accordance with FDCPA 1692g. Their response was insufficient : it did not include a signed contract, legal proof of assignment of the debt, or a breakdown of the amount claimed. 

I subsequently disputed the account with XXXX and submitted that evidence. Despite this, XXXX updated but did not remove the account, violating FCRA 1681i by maintaining unverified information. LVNV is also in violation of FCRA 1681s-2 ( b ) by continuing to report the debt without proper legal validation. 

LVNVs response appears to be official documentation but does not meet the legal requirements, which constitutes a violation of FDCPA 1692e due to false or misleading representation. I also believe these actions represent an unfair practice under the CFPA ( Dodd-Frank Act ) XXXXXXXX XXXX XXXX 

I respectfully request that the CFPB investigate this matter and require LVNV Funding and XXXX to immediately delete this unverified account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
I am filing a formal complaint against Moheala, XXXX XXXX XXXX XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal actio

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE. SEE ATTACHED DOCUMENT.

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 2025-05-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Second Alliance, Inc.
State: MD

Complaint narrative:
I am writing in regard to a letter I received from SECOND ALLIANCE , INC., a debt collection agency based in XXXX XXXX, California. The letter, dated XX/XX/year>, claims that I owe a debt totaling {$7300.00} related to an " XXXX XXXX XXXX. '' I do not recognize this debt and do not acknowledge any obligation to pay the amount alleged. 
In their communication, SECOND ALLIANCE , INC. references California Civil Code Section 1785.26, threatening that a negative credit report may be submitted if I fail to meet the terms of the purported credit obligation. They also cite the California Rosenthal Fair Debt Collection Practices Act, asserting their right to contact others to confirm my location or enforce a judgment, and referencing Section 1788.21, which they claim requires me to notify them of any changes in my name, address, or employment. Upon reviewing their website, I found that SECOND ALLIANCE, INC. lists a physical address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. The company presents itself as a XXXX XXXX XXXX XXXX XXXX XXXXXXXX services, claiming to shift the perception of collections from a business necessity to an academic priority. Their messaging asserts that they " recover students, '' not just funds, by promoting self-reliance and fiscal responsibility among borrowers. 
However, the language used on their website to describe student borrowersreferring to them as irresponsible, immature, entitled, insecure, and obliviousis deeply concerning. Such characterizations are not only inappropriate and offensive, but they also appear to reflect a coercive and disrespectful approach to debt collection. This raises serious concerns regarding their compliance with both federal and state debt collection laws. On XX/XX/year>, I contacted Second Alliance via certified mail to formally dispute the debt, stating that I do not recognize the account and do not acknowledge any obligation to pay it. Despite this, on XX/XX/year>, I received a credit bureau alert indicating that Second Alliance , Inc. reported the account as being in collections ( XXXX XXXX XXXX ) with a balance of {$7300.00}, dated XX/XX/year>. This action appears retaliatory in response to my lawful exercise of rights under federal and state debt collection laws. Moreover, this reporting constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act, which mandates that all collection activities must cease upon notification of a disputed debt.Moreover, I have reason to believe that SECOND ALLIANCE, INC. does not hold a valid debt collection license issued by the State of Maryland. In light of these issues, I respectfully request that this matter be investigated and that any necessary enforcement actions be taken to ensure compliance with applicable federal and state regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-07 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: FL

Complaint narrative:
Experian RE : Identity Theft Report and Request for Blocking of Fraudulent Information under 15 U.S. Code 1681c-2 ( FCRA Section 605B ) To Whom It May Concern, I am the victim of identity theft and have discovered inaccurate and fraudulent information on my credit report. Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ), I am requesting that you block the following fraudulent accounts/information from appearing in my file : In compliance with the law, I am providing the following : A copy of a valid identity theft report filed with a law enforcement agency. 

Proper identification ( government-issued ID and utility bill or similar proof of address ). 

A statement of dispute describing how the information resulted from identity theft.

This account was opened and/or used fraudulently without my knowledge or authorization. I request that you block the aforementioned information within the 4 business days mandated by the FCRA and confirm in writing once this action has been taken.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
Experian RE : Identity Theft Report and Request for Blocking of Fraudulent Information under 15 U.S. Code 1681c-2 ( FCRA Section 605B ) To Whom It May Concern, I am the victim of identity theft and have discovered inaccurate and fraudulent information on my credit report. Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ), I am requesting that you block the following fraudulent accounts/information from appearing in my file : In compliance with the law, I am providing the following : A copy of a valid identity theft report filed with a law enforcement agency. 

Proper identification ( government-issued ID and utility bill or similar proof of address ). 

A statement of dispute describing how the information resulted from identity theft.

This account was opened and/or used fraudulently without my knowledge or authorization. I request that you block the aforementioned information within the 4 business days mandated by the FCRA and confirm in writing once this action has been taken.

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 2025-05-07 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: CA

Complaint narrative:
I previously filed a dispute with Transunion concerning negative accounts that I believe were reporting inaccurate and incomplete information. After their reinvestigation, I was told that the accounts had been verified as accuratebut the same disputed information continues to appear on my credit reports, without any updates or corrections. This outcome is unacceptable. I have the right under the Fair Credit Reporting Act ( FCRA ) to understand how the bureaus determined that this information is accurate and complete. I am specifically requesting a description of the procedures used during the reinvestigation of my dispute. The full details of my request are explained in the letter attached to this complaint.

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 2025-05-07 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: MD

Complaint narrative:
Subject : Formal Dispute and Request for Immediate Deletion of Inaccurate Credit Information under FCRA ( 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681s-2 ) To Whom It May Concern : I am writing to formally dispute and demand the immediate deletion of inaccurate information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of information. Likewise, 15 U.S.C. 1681s-2 requires furnishers of information to report accurate data and promptly investigate disputed information. 



The following accounts are being inaccurately reported and are in violation of these legal standards : I. DISPUTED ACCOUNTS 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 are inaccurate and damaging to my credit profile. I dispute the validity and accuracy of the information associated with each and demand their immediate deletion. If these items can not be verified with complete and accurate documentation, they must be removed in accordance with the FCRA. 



Enclosed are supporting documents to substantiate my claims. I request a full reinvestigation and deletion of the disputed entries. Please provide written confirmation that these accounts have been deleted and send me an updated copy of my credit report within the 30-day period as required by federal law. 



Should you fail to comply, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action for noncompliance with the FCRA. 



Thank you for your prompt attention. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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 disputed fraudulent XXXX  XXXX account on my credit report that does not belong to me I believe it is fraudulent and I have disputed with experian, transunion, and equifax On multiple occasions. These companies mentioned above are violating my rights. I am trying to resolve the issue and they are not cooperative as they may indicate. They do not actual investigation. 

I have a sent a new dispute letter and ftc report as evidence of my unfortunate circumstance Please take action and correct this issue

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In this instance, TransUnion and Experian did not conduct and provide a documentation that a reasonable investigation to provide confidence that the reporting under the maximum accuracy provisions as required by the law. Questions were raised unaccounted for payments. TransUnion did not address. Questions were raised regarding unlawful RE-AGING of the account. TransUnion did not address. Questions were raised about the issue of the actual account documented XXXX  closing date has been changed 3 times within a 90-day period. Neither bureau conducted a review to determine the validate of the information that was being presented to them as accurate. Additionally, the accuracy of the " balance due '' has remained inaccurate and unchanged despite documented payments made, the sale of the vehicle, insurance claims paid that would determine an accurate balance. XXXXXXXX XXXX provided no response or requested information. Nor did TransUnion investigate why after the closing date of the XXXX XXXX XXXX began claiming the " charged off, written off, profit and Loss '' for 5 years but, XXXXXXXX XXXX 's failed to provide the required Form1099-c Event 7 to the customer. Its accounting principles are and should be questioned. 

XXXX XXXX has taken incredible measures to circumvent their responsibility to report Accurately to these bureaus. TransUnion and Experian appear complicit in their investigations and reinvestigations to conduct a reasonable, due diligent inquiry that conforms with the requirements of the FCRA for Maximum Accuracy in Reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
I am a victim of identity theft, which has led to the reporting of unauthorized and inaccurate information by TransUnion. My Social Security number and other private data were unlawfully used. These unauthorized accounts and inquiries have severely damaged my creditworthiness. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I formally request the immediate blocking and permanent deletion of all information resulting from identity theft. Despite prior notifications, these agencies continue reporting unverifiable data. I do not consent to the placement of a fraud alert I demand complete deletion as required under 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 non-monetary relief
Consumer complaint received 2025-05-07 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: Self Financial Inc.
State: MI

Complaint narrative:
I never had an account with self my email has always been XXXX this is another XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number ( LAST XXXX ) : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$4500.00}, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$400.00}, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$150.00}. Inquiries : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX 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 2025-05-07 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number ( LAST XXXX ) : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$4500.00}, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$400.00}, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$150.00}. Inquiries : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief