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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am formally disputing the accuracy and legality of the reporting of the American Express account status ending in XXXX, as reported on XXXX ( Report Number XXXX ) and XXXX ( Report Confirmation XXXX ). This account was charged off and closed in XXXX, yet both credit bureaus continue to report it with an outstanding balance of {$3700.00} and monthly updates reflecting a Profit and Loss Write-Off charge-off status through XX/XX/XXXX. This constitutes unlawful re-aging of a closed, static account, violating FCRA 1681c ( a ) ( 4 ), which prohibits updating derogatory payment history to misrepresent the age of the debt. There has been no consumer activity, payment arrangement, or contractual renewal since the charge-off. The ongoing updates materially distort the recency and severity of the delinquency. These inaccuracies violate FCRA 1681e ( b ), which requires information furnished to credit reporting agencies to be as accurate and fair as possible. Additionally, the continued reporting of a charged-off account as active, despite no new verification or updated obligation, renders the tradeline unverifiable, triggering the deletion requirement under FCRA 1681i ( a ) ( 5 ) ( A ). Moreover, the debt is reported as a " Profit and Loss Write-Off, '' which implies that the debt has been deemed uncollectible. In such cases, IRS Code 6050P requires a Form 1099-C to be issued for canceled debts of {$600.00} or more. The absence of this IRS-required documentation further supports that the debt is not legally collectible, and its continued reporting is both misleading and non-compliant with federal tax law. I also formally object to the use of any third-party verification databases during the reinvestigation, including XXXX, XXXX, XXXX, XXXX, or XXXX XXXX XXXX which are not original furnishers. Their use violates FCRA 1681b ( a ), as such access is not supported by a direct permissible purpose or consumer authorization. Pursuant to FCRA 1681i ( a ) ( 8 ), I invoke my right to expedited deletion of this materially inaccurate and unverifiable tradeline within three ( 3 ) business days of receipt of this dispute. If the tradeline is not permanently deleted, I will escalate the matter to the FTC, IRS Criminal Investigations, and all other appropriate regulatory bodies.

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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
We had our check # XXXX stolen from the US Mail. Check was maded payable to XXXX XXXX of XXXX. Mail on XX/XX/2024 the made payable was changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. US bank ATM accepted this forge check to be deposited in XXXX XXXX checking account at US Bank. Us Bank stated that they are not responsible for taking in forge checks. Our Bank XXXX XXXX bank has requested the original check back, US Bank stated they destroy the check and can not help us or XXXX XXXX Bank geting our {$23000.00} from their Account holder 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: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am reaching out to ALLY FINANCIAL to highlight my serious concern about certain details in my credit profile. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information reporting the fraudulent account : ALLY FINANCIAL XXXX Date Opened : XX/XX/year> Balance : {$33000.00}

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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2025-05-07 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: CBC Companies, Inc.
State: OR

Complaint narrative:
To Whom It May Concern : Pursuant to 15 U.S. Code 1681c-2, I am formally requesting that you block and remove the fraudulent account ( s ) listed below from my Innovis credit file within the required timeframe. This information resulted from identity theft and is causing undue harm to my ability to obtain credit and housing. 

Under this federal law, you are required to block the reporting of information that a consumer identifies as resulting from identity theft, no later than XXXX business days after receiving : Proof of the consumers identity, A copy of an identity theft report, The identification of the information to be blocked, and A statement by the consumer that the information is not related to any transaction by them. 

Please consider this my formal request under FCRA Section 605B [ 15 U.S. Code 1681c2 ]. I demand that you act accordingly and remove the fraudulent information immediately. 

XXXX XXXX : Acct # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Name : XXXXXXXX XXXX XXXX Account number XXXX Account status : closed This account has been reported XXXX closed for the last XXXX months yet it has been re-aging this alleged debt. Which is a violation of my lawful rights as a federally protected consumer under title 15 of the US Constitution in the FCRA.

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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to XXXX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
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: MI

Complaint narrative:
I am writing to formally file a complaint against Mohela regarding the mishandling of my loan payments and the lack of communication from your organization. 

Over the past few months, I have experienced significant issues with my loan payments. Despite my efforts to stay on top of my payment schedule, there have been multiple instances where my payments were either not processed correctly or were delayed without any prior notice. This has caused considerable stress and financial inconvenience. 

Moreover, I have attempted to reach out to Mohela on several occasions to resolve these issues, but I have received little to no response. The lack of communication and support from your team has been extremely frustrating and has only exacerbated the situation. 

I am requesting immediate action to rectify these payment issues and to improve the communication channels between Mohela and its customers. It is crucial that these matters are addressed promptly to prevent further complications. 

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

Dates will be attached in letters provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
My previous complaint ( XXXX ) was unsuccessful and no proof was provided by collection company that I am personally liable for this debt. This debt pertains to an XXXX NOT myself as an invididual. The XXXX XXXX this account with a business tax ID number. I never shared my SSN nor do I recall signing any document to be held personally liable. 
Please provide proof that I PERSONALLY signed a contract with XXXX to be held personally liable for this debt. Otherwise, please remove this corporate debt from my personal credit reports.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Im contacting you because theres an item on my credit report that is not being reported with maximum accuracy, as required by the Fair Credit Reporting Act ( FCRA ). Thats a problem and its one that needs to be corrected immediately. If youre going to report something on my credit, it better be 100 % accurate and fully compliant with FCRA guidelines. This item doesnt meet that standard, and it should never have been allowed to stay on my report in its current form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I am writing to file a formal dispute regarding inaccurate information reported on my credit report, which I believe is negatively affecting my credit standing. I have already contacted the credit bureaus and the creditor involved but have not received a satisfactory resolution. Therefore, I am requesting the CFPB to assist with investigating and resolving this issue. 

Account in Dispute : Creditor Name : TRANSWORLD SYSTEMS INC. 
Amount : {$360.00} Reported By : XXXX XXXX XXXX Reason for Dispute : The credit card account listed above is being inaccurately reported on my credit file. This inaccurate reporting is causing harm to my credit score and does not reflect my true creditworthiness.

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.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 — Credit inquiries on your report that you don't recognize
Company: CL Holdings LLC
State: SD

Complaint narrative:
Please verify or remove immediately the following accounts : Jefferson Capital Systems XXXX XXXX  I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXXXXXX XXXX  XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX  XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from mg report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 



Company or Organization : XXXX XXXXXXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Dear Credit Bureau Representative and Consumer Financial Protection Bureau Officer, I am writing to formally dispute the continued reporting of a collection account in the amount of {$2200.00} by Jefferson Capital System LLC on my XXXX, XXXX and XXXX credit report accounts. This account originates from Badcock XXXX, which was charged off since Wednesday, XX/XX/year>. I would also like to add that I mailed a certified letter to XXXX on Wednesday, XX/XX/year> at XXXX XXXX regarding the Badcock the charge off information. However, I never received an explanation. According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector must provide written validation of the debt within five days of initial communication. To date, I have not received any written notice, detailed itemization, or verification of the alleged debt, nor a copy of IRS Form 1099-C, a payment agreement, or written consent bearing my signature authorizing Jefferson Capital System LLC to report this debt to any credit bureau XXXX On Tuesday, XX/XX/year>, at XXXX XXXX, I received an XXXX electronic message notification stating that this account has been sent to collections. This is inconsistent with previous credit report entries from XXXX XXXX and XXXX which showed the account as a charge off by the original creditor, Badcock. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), consumers have the right to dispute incomplete or inaccurate information on their credit reports. Credit reporting agencies are required to investigate the disputed information and respond within 30 days. The continued reporting of this account without proper documentation may violate my rights under both the FCRA and FDCPA. Therefore, I am requesting the following : 1. 2. 3. 4. Immediate written verification of the alleged Badcock/Jefferson Capital System LLC debt , including full itemization of charges, dates, and payment history. Evidence of my written authorization or consent allowing Jefferson Capital System LLC to access or report any of my personal credit information. Immediate removal of the account from all credit bureaus if the above documentation can not be provided. A written response detailing your findings and the actions taken as a result of this formal dispute. Failure to comply with these federal mandates may result in further action, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and, if necessary, legal remedies. Thank you for your immediate attention to this matter. I expect your response and full compliance with applicable federal laws within the legally mandated timeframe.

Company response to consumer: Closed with explanation