vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
Re : Dispute of Alleged Debts, Account Numbers Ending in XXXX and XXXX Dear Sir or Madam, I am writing to formally dispute two charges that TrueAccord claims I owe, allegedly originating from XXXX, associated with account numbers ending in XXXX, XXXX, and XXXX. I also note that you referenced an account ending in XXXX, which I do not recognize as related to me or any debt I owe. I received correspondence from your agency indicating these debts, but I believe this information is inaccurate for the following reasons : XXXX Incorrect Address : The address listed on the envelope and associated with these debts is not mine and is a family members. This suggests a potential error in identity or record-keeping. 
XXXX No Knowledge of Debts : I have no recollection of incurring these debts with XXXX, nor have I received prior documentation or communication from XXXX or TrueAccord substantiating these claims, including any details related to an account ending in XXXX, XXXX, XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of the alleged debts for accounts ending in XXXX, XXXX and XXXX, as well as clarification regarding the account ending in XXXX. Specifically, I request : A copy of the original agreement ( s ) with XXXX that I supposedly signed or agreed to for accounts ending in XXXX, XXXX and XXXX. 
A detailed account statement showing the origin and itemization of the alleged debts for these accounts. 
Proof that TrueAccord is authorized to collect these debts on behalf of XXXX. 
Documentation verifying that these debts, including any reference to an account ending in XXXX, XXXX, XXXX are accurately associated with me, including the correct address. 

Until these debts are validated, I dispute their validity in their entirety and request that you cease all collection activities, including reporting these debts to credit bureaus. If any of these debts have already been reported to credit reporting agencies, I demand that you immediately notify them of this dispute and request their removal pending validation. 

Please provide the requested validation within 30 days, as required by the FDCPA, and send all correspondence to your response. 

Be advised that I am keeping detailed records of all communications regarding this matter and will not hesitate to pursue my rights under federal and state law if necessary. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Fraudulent ACCOUNT REPORTING TO MY CREDIT FILE AFTER I HAVE TRIED ON numerous occasions TO RESOLVE THIS DIRECTLY WITH BOA AND THEY REFUSED TO REMOVE THIS fraudulent ACCOUNT

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 2025-07-09 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: TN

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights 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 explanation
Consumer complaint received 2025-07-09 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: NC

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 2025-07-09 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: IL

Complaint narrative:
I am filing a complaint against XXXX regarding their denial of my School Misconduct Discharge application for XXXX private student loans I incurred while attending the Illinois XXXX XXXX XXXX XXXX between XXXX and XXXX. The school engaged in documented misconduct, including misleading students about job placement rates, accreditation status, and career outcomes in my field of study, XXXX XXXX XXXX XXXX. 

As a result of these misrepresentations : I incurred XXXX private student loans through XXXX for a degree that has been rendered effectively worthless. 

I was unable to secure employment within my field after graduation, and was forced to accept work outside my field simply to begin repaying these loans. 

The school later lost accreditation, closed, and its parent company faced lawsuits and regulatory action for these deceptive practices. 

The XXXX Department of Education has already acknowledged this misconduct in my federal loan case. On XX/XX/XXXX, I received a formal XXXX XXXX to Repayment discharge for my federal student loans tied to this same misconduct. Despite this clear recognition of harm, XXXX has repeatedly denied my discharge application for the private loans, claiming insufficient evidence even after providing my XXXX XXXX approval letter and a detailed harm narrative. 

What would you like XXXX to do to resolve your issue? 

I am requesting that Navient/Mohela immediately XXXX Reevaluate my School Misconduct Discharge application in light of the federal Borrower Defense XXXX XXXX and the extensive harm I have documented. 

Discharge my XXXX private student loans associated with the XXXX XXXX XXXX XXXX XXXX. 

Why is this important? 

The same misconduct that led to my federal loan discharge should apply equally to the private student loans incurred for the same fraudulent education. Denying discharge in the face of acknowledged harm by a federal agency is both unreasonable and harmful to consumers like me. 

Loan Numbers : XXXX Signature XXXX & XXXX Signature Student

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 am formally demanding the immediate removal of all fraudulent items from my credit file. As a XXXX XXXX XXXX XXXX, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple tederal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections.

Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
-- -- - LVNV Funding commits willful FCRA/FDCPA violations : ( 1 ) False original creditor reporting when theyre debt buyer, ( 2 ) Impossible 35 days ago activity with no consumer relationship, ( 3 ) Systematic re-aging for commercial advantage. 

WILLFUL VIOLATIONS : LVNV deliberately misrepresents creditor status violating FCRA 623 ( a ) ( 1 ), reports impossible recent activity violating 605, lacks reasonable basis violating 623 ( a ) ( 8 ). 

NO CONSUMER RELATIONSHIP : Never signed agreement with LVNV. 35 days ago timeline factually impossible. 

DELETION ONLY : I do not authorize status changes from original creditor to debt buyer or timeline corrections. Lack of consumer relationship makes ANY reporting invalid. 

EXECUTIVE LIABILITY : Dodd-Frank 1002 ( 14 ) creates personal liability for knowing violations. 

PENALTY WARNING : Corrections constitute admission of willful violations exposing LVNV to FCRA damages up to {$1000.00} per violation per consumer reporting agency PLUS FDCPA damages up to {$1000.00} = potential $ XXXX per violation type. 

See attached complete complaint with willful violation analysis, regulatory enforcement requests, and multi-agency penalty framework. 

-- ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the immediate deletion of the following unauthorized and/or unverified inquiries from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) and 15 U.S. Code 1681b. 

I did not authorize these entities to access my consumer report, nor was I provided a permissible purpose disclosure. Therefore, these inquiries are in violation of federal law and are negatively impacting my credit profile. 

The following inquiries must be deleted immediately : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries do not reflect any completed or ongoing credit relationship, and no signed application or documentation with my authorization has ever been provided to me. 

You are required by law to investigate and remove unverifiable items within 24 hours if they are found to be in error or lacking proper authorization. In accordance with Metro 2 Compliance and the Consumer Data Industry Association ( CDIA ) guidelines, these entries must be removed if not supported by direct written consent. 

If these inquiries are not removed promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and seek legal remedies for damages under FCRA 616 & 617. 

Please forward an updated copy of my credit report reflecting these deletions to the address listed above once the corrections are complete. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am formally requesting the immediate deletion of the following unauthorized and/or unverified inquiries from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) and 15 U.S. Code 1681b. 

I did not authorize these entities to access my consumer report, nor was I provided a permissible purpose disclosure. Therefore, these inquiries are in violation of federal law and are negatively impacting my credit profile. 

The following inquiries must be deleted immediately : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries do not reflect any completed or ongoing credit relationship, and no signed application or documentation with my authorization has ever been provided to me. 

You are required by law to investigate and remove unverifiable items within 24 hours if they are found to be in error or lacking proper authorization. In accordance with Metro 2 Compliance and the Consumer Data Industry Association ( CDIA ) guidelines, these entries must be removed if not supported by direct written consent. 

If these inquiries are not removed promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and seek legal remedies for damages under FCRA 616 & 617. 

Please forward an updated copy of my credit report reflecting these deletions to the address listed above once the corrections are complete. 

Sincerely, XXXX 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-07-09 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: MD

Complaint narrative:
I am formally requesting that the dispute comment associated with the account ( account name and number ) be removed from my credit report across all applicable credit bureaus. In accordance with Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have notified the credit bureaus that I am no longer disputing this item, and the continued presence of the dispute remark is now inaccurate and misleading.

Company response to consumer: Closed with explanation