vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am unable to create or access an account with Experian for unknown reasons, which has prevented me from directly disputing this debt through your platform. As a result, I have had to resort to filing this complaint through the CFPB to ensure that Experian receives and addresses my dispute appropriately. I am writing to formally dispute an alleged debt reported by the XXXX XXXX XXXXXXXX in the amount of {$1700.00}, which was unlawfully furnished to your bureau on XX/XX/year>. This alleged debt is not legally valid, as the institution violated numerous consumer protection laws, including provisions under the Fair Debt Collection Practices Act ( FDCPA ), the Higher Education Act ( HEA ), and my civil rights. 

The university also failed to follow required procedures in handling my account and improperly reported this debt after I had raised concerns about their conduct. This appears to be a retaliatory action following a formal complaint I filed with the Department of Education earlier this year. Their actions have resulted in significant harm, including a severe drop in my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian immediately investigate this matter and remove the inaccurate and unlawful debt from my credit report. Please contact me if additional information is needed to assist in resolving this dispute. 

Thank you for your prompt attention to this serious 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 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I have had XXXX loans disbursed to my account on XX/XX/XXXX and XX/XX/XXXX with a total balance of XXXX. I had another loan which I forgot the balance of but paid off. 

On XX/XX/XXXX I made a payment of XXXX. On XX/XX/XXXX I made Payments of XXXX and XXXX towards my loans. I made payments of XXXX and XXXX on XX/XX/XXXX. 

I called Mohela in XXXX because XXXX of my payments had not posted. They said it would be updated within 90 days. 

The balance still has not been updated, and my payment records are out of date. The money has left my bank accounts however. 

I tried calling again and had to wait an hour to get on a call. They put me on hold for another hour and I gave up. Terrible experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-10 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: FL

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my knowledge. I was not notified of their return, nor have I received any correspondence about this through the mail.

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 2025-01-10 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: MA

Complaint narrative:
My name is XXXX XXXX, my personal information is attached to this complaint. 

I hereby file a formal complaint against a collection agency known as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX. This agency did not follow legal protocol pertaining to debt collection validation. I was just on a call with a representative of XXXX XXXX XXXX XXXX, stating my position that there was no bill owed to XXXXXXXX XXXX XXXX since I removed myself from a particular course before the deadline. Here is my description of a call that was recorded by XXXX XXXX XXXX XXXX. 

Client : XXXX XXXX Date : XX/XX/year> ( Report of a conference call made about {$510.00} collections on XXXX XXXX credit report to XXXX XXXX XXXX XXXX ( debt incurred at XXXX XXXX University ) at XXXXXXXX XXXXXXXX XXXX on XX/XX/year> ) XXXX described the incident to a representative names XXXX as follows : A year or so ago I was enrolled at XXXX XXXX University and received a scholarship. I withdrew from my current course before the withdrawal deadline and had already paid up through that following month for tuition costs so I was under the impression that if anything I would be receiving a refund or owe nothing more. Recently I received this collection notification. 

Upon being asked if I had contact XXXX, XXXX stated : I texted my old advisor and she told me it was a back charge of the scholarship I had gotten for that semester. 

XXXX then asked what the pathways from credit removal were. 

When asked XXXX confirmed : Email, phone number and date of birth. 

XXXX stipulated that he was requesting a full validation of the debt to XXXX XXXX University, however the full validation should have been requested before a collection was ever posted as required by the Federal Trade Commission and most recently by the Consumer Financial Protection Bureau. 

This collection is not valid and should be removed permanently from my Equifax credit report by XXXX XXXX XXXX XXXX. This company does not get XXXX bites of the apple because of a clerical error. I never took the course in question and should never have been charged. The collection is fraudulent, and sanctions must be submitted against XXXX XXXX XXXX XXXX by the Consumer Financial Protection Bureau. 

This collection must be deleted from my credit report ( Equifax ) and my file purged with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
To Whom It May Concern, This letter serves as my formal response to your continued attempts to collect an alleged debt that I dispute. As previously requested, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am invoking my rights to request complete validation of this debt. To date, you have failed to provide sufficient evidence that substantiates the debt, its amount, and your legal right to collect it. 

This is my second formal demand for the following documentation : XXXX. Proof of the debts validity : This includes the original signed agreement or contract bearing my signature. 
XXXX. The full accounting of the alleged debt : Including all payments made, credits applied, and any fees or interest charged. 
XXXX. Proof of your authority to collect this debt : Including documentation of any assignment, sale, or transfer of this debt from the original creditor. 
XXXX. Identification of the original creditor : Including their name, contact information, and verification of the original debt. 

Until such validation is provided, any attempts to collect this debt, report it to credit bureaus, or contact me about this matter are in violation of my rights under the FDCPA. 

Additionally, under 15 U.S.C. 1692c ( c ), I am demanding that you immediately cease and desist all communication with me regarding this alleged debt. Any further communication, outside of the required provision of documentation, will be interpreted as harassment and a direct violation of federal law. I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and other appropriate regulatory bodies. 

Failure to comply with this notice will result in my pursuing all available legal remedies, including but not limited to filing a lawsuit for statutory and punitive damages, as well as attorneys fees and costs. 

Please note that this letter is a good faith effort to resolve this matter amicably. However, it should not be interpreted as acknowledgment of liability or as my consent to be contacted further. 

I look forward to receiving the requested documentation. If you can not provide sufficient validation within 30 days of receipt of this letter, I expect written confirmation that you are ceasing all collection efforts and that this debt will be removed from any credit reporting agencies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The mortgage servicing company appears not to have given me credit for an escrow payment of {$3800.00} that I made in XX/XX/XXXX. My mortgage payment for XXXX was {$760.00}. When they did the escrow analysis for XXXX the payment increased to {$870.00}. I tried to get them to fix it but they insisted it was correct. even though I paid a total of {$6700.00} in escrow payments during XXXX their escrow analysis for XXXX show that I still have an escrow shortage. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
TransUnion 's failure to remove a fraudulent report from my credit file. In 2024, I became a victim of identity theft, during which unauthorized accounts were opened in my name. Despite promptly reporting this fraud to TransUnion and providing all necessary documentation, including police reports and identity theft affidavits, the fraudulent information remains on my credit report. 

Over the past months, I have followed all the prescribed dispute procedures, submitted multiple requests for correction, and repeatedly contacted TransUnion for updates. However, the fraudulent accounts and inaccurate information have not been removed, negatively impacting my credit score and causing ongoing financial harm.

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 2025-01-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I dont have knowledge for this account right now, XXXX XXXX XXXX XXXX Late Payment {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I have attempted to resolve this issue by reporting the incorrect information, which is negatively impacting my personal life and causing significant mental distress. Due to these false and fraudulent entries on my credit report, I have been unable to purchase my dream car or support my family. These items do not belong to me, and I did not authorize any of this information to be included in my report. I am a victim of identity theft. I have included my letter and the FTC report for your reference. If this matter is not addressed appropriately, I will pursue legal action.

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 2025-01-10 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: TX

Complaint narrative:
These companies are in violation of Tittle 15 USC 1681 ( a ) of any transaction between the creditor and me are required to be excluded from your credit report. Also violation of 15 USC 1681 ( b ) which is the Permissible Purposes for what is reported on a Consumer Report which is 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 2025-01-10 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: TX

Complaint narrative:
These companies are in violation of Tittle 15 USC 1681 ( a ) of any transaction between the creditor and me are required to be excluded from your credit report. Also violation of 15 USC 1681 ( b ) which is the Permissible Purposes for what is reported on a Consumer Report which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/2025 Jefferson Capital System, LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Cease and Desist Demand for Collection Activities Reference Number : XXXX DearJefferson Capital System, LLC, I am writing to formally demand that you cease and desist all communication and collection activities related to the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all contact with me regarding this matter. 

This letter serves as my formal notice to exercise that right. Effective immediately, you are prohibited from contacting me at any time or through any means, including but not limited to : Telephone calls to my home, work, or mobile phone. 

Written correspondence sent to my home or email address. 

Any form of communication with third parties, including my employer or family members, regarding this matter. 

Be advised that failure to comply with this request may result in legal action against your agency for harassment and violation of the FDCPA. Additionally, if you believe this debt is valid, you may only contact me to provide verification of the debt or to inform me of specific legal actions you intend to pursue. 

Please confirm in writing that you have received this cease-and-desist request and that all collection activities and communications will cease immediately. All future correspondence should be directed to me exclusively in writing at the address provided above. 

This letter is not an acknowledgment of the validity of the alleged debt, nor is it a waiver of my rights under federal or state law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: IL

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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 2025-01-10 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:
In accordance with the fair credit reporting act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor maynot treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief